Cottage Insurance

Cottage Insurance

Landlord Property Services and Insurance Guide!

Landlords Property Insurance covers damage to your property. Such insurance will cover the property you are letting for damage from events such as a fire or flood. It is therefore, important to get your building or property insured at the right time. So that you can claim for any damage and it covers you for your rebuilding costs. Such landlord’s insurance policy will not only pay for all of the work to repair the property but also pay you the rent that you are missing out on by not having tenants living in the property during this period of repair or refurbishment. It covers only structural damage to the building itself — and many landlord policies don’t even go that far if the damage is caused by a tenant.

Landlords Property Insurance – for your protection!

Landlord insurance protects your houses, flats, cottages and in some instances may be able to provide cover for non-standard construction buildings. Landlords Insurance offers various types of cover on line. Some have a comprehensive package, which includes combined insurance policies such as building and content insurance for landlords. Being a landlord, you can have your buildings and content insured separately or third party can share the insuring cost. As a third party, they have access to the landlord’s content scheme and they will pass on the savings to the landlord.

As a buy-to-let landlord, don’t you think it is essential to protect your investment by insuring your buildings and contents? While conventional home insurance may still cover you, there are additional risks involved when tenants are occupying a property, which means you may want to consider getting expert landlord’s insurance. A normal home insurance policy is not valid when you are taking an income from the property, that is, in case you have rented out your building or property. A residential landlord policy is what is required in such a circumstance.

Be it a house or property rented out which is furnished or semi – furnished, you will need landlord contents insurance. This includes your furnitures, fixtures, goods and more. On the other hand, if your building went up in flames, your landlord’s building coverage would include repairs, but only to the building, not to the possessions of tenants. Landlord’s policy has been developed to include excellent features such as a ‘contents only’ option and home emergency expenses. When you face any such emergency situations, you will be rightly protected, so don’t think twice on getting your insurance, reach out to experts on what are the options available.

About the Author

Kirthy Shetty, Platinum author. Landlord Content Insurance assistance: Landlord Content Insurance

Independent Tenant Referencing: Independent Tenant Referencing

I think my son is being taken advantage of by the person who’s house he damaged in his car. What can he do?

My son parked his car outside a cottage but unfortunately left it in gear and when he got back in and started it, it jumped forward and smashed the window of the cottage, no one was hurt and the chap in the cottage brought him into the house to check he was ok. My son saw that a couple of photo frames had fallen off the wall but otherwise everything was ok apart from the window of course. He apologised profusely to the home owner who said it was fine and accidents happen. However, now he’s received a bill for the window and £400 worth of personal possesions that were damaged. If he goes through his insurance his premiums will quadruple which he can’t afford so he was going to pay it off but it seems a bit dodgy to me. Is there anything he can do? The police were called but the chap had to go and see his mum at the hospital so he didn’t wait around to speak to them and they breathalised my son who was fine as he hadn’t had anything to drink at all.

Hi

I work in property insurance and deal with this sort of thing all the time. if your son lives at home with you, it is probably worth checking your home insurance scheduale to see if you have leagal liability cover. Most policies include it as a free benifit.

Liabilty cover will cover you if a third party is holding you or your family liable for damage to their property or an injury.

if you call your insurance company they will deal with the third party directly and pay the amount due to them if the third party is able to prove that your son has caused the damage by being negligant. If the third party cannot prove this they can not claim off you. But the insurance company will ensure that the amount claimed is fair and not inflated.
There will be no excess and your no claims discount will not be affected.

i will be more than happy to answer any questions you may have surrounding this.