LANDLORD NEWS AND ADVICE FROM UK'S LARGEST ONLINE LETTING AGENT
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Keep the discussion lively, if you read an article and have some thoughts, please comment. We’re always looking for new landlord tips and stories so if you have something you’d like to share please let me know, simon@upad.co.uk (editor).
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Archive for the ‘Landlord Insurance’ Category
What to do if: your landlord property insurance is getting too expensive?
The most obvious answer to this question is; strip your insurance down to the essentials and then shop around, given the limitations of the market – for example, there are a small number of providers (compared to normal home insurance) who are picky about what they cover – many won’t touch student, bedsit or holiday home properties, for example. So here’s the Upad guide. Strip out... Read more
Guest post: Basements have ceilings too
Direct Line Landlord Insurance have given us some more invaluable tips to help keep your property safe for your tenants and avoid claims against you... Basement cellar ceilings are often forgotten about, but regularly reported to our landlord claims team as caving in and causing injuries to tenants such as whiplash. Here’s some tips how to avoid the cost of structural damage, and a claim... Read more
Guest Post: don’t trip up!
Direct Line Landlord Insurance have given us some invaluable tips to help keep your property safe for your tenants and avoid claims against you... Stairways can be a risk for both tenants and landlords. About one-third of injuries reported to our landlord claims team come from trips or falls down stairs. Make sure your staircases; have handrails that are fitted properly and... Read more
Property maintenance
The property you rent out must be “fit for occupation” and most properties, even new ones, need regular maintenance. Here are some things to bear in mind: 1. Water damage/leaks Water can do a whole heap of damage if the source of the problem isn't treated early. Ultimately it can make the property unstable, therefore unfit for occupation – costing you valuable rent. The most common... Read more
Ask Upad: Do I have to rehouse my tenants whilst repairs take place?
Q: A nice couple with a child has moved into a small two up, two down house I let out. I was happy to get them in to the property and they seemed pleased too. However, it was only a few weeks into the tenancy that they said they thought there might be a leak under the ground floor laminate flooring. I thought this unlikely at first, but on closer examination I see that he's correct and it... Read more
Are landlords barking when they say “no pets”?
Every landlord wants their properties to come back to them after a tenancy has expired, with as little damage as possible. It’s not just the issue of money, it’s hassle too. It takes time to put the damage right, so it’s hardly surprising that many landlords don’t want lets with pets. But by refusing tenants with furry, scaly or feathered friends, landlords could be looking a gift horse... Read more
Miscommunication on insurance very costly for landlord
The value of landlord insurance has been brought to light again after a landlord’s tenant decided to stop paying rent. On inspection of the property, Louise Mercer found that the place had been trashed by the tenant and an unwelcome canine. Due to a miscommunication, Louise found out that the insurance she believed she had on the property was invalid and that in fact there was no... Read more
Landlord’s house has gone missing
What would you do as a landlord if your property was stolen, not the fittings, TV, iPad etc no, but the property itself. This is the unfortunate situation of Zuria Ali, who returned to his property to find only the concrete pillar holders, some pieces of broken wood and a smashed TV. The entire main structure of the house including the walls had mysteriously vanished, along with many of the... Read more
Why every landlord should join a landlords’ association
Whether you’re an “accidental” landlord renting one flat out, or a portfolio landlord with a dozen properties, you can get a lot of value from being a member of a landlord’s association such as the National Landlords Association, the Residential Landlords Association, the Scottish Landlords Association and the Southern Landlords Association. For mere pounds, they give you access to all... Read more
Hamilton Fraser launches new landlord insurance brand
This month sees the launch of Total Landlord Insurance, a brand new buy-to-let insurance offering brought to you by leading landlord insurance experts, Hamilton Fraser Insurance. Total Landlord Insurance recognises that not all landlords are the same, which is why they have created two new insurance products so landlords can choose the policy that suits them. The two products are Essential... Read more
Insurance matters for Landlords
On the massive list of things that every landlord needs to do and remember, should be the important matter of insurance. Yes, it’s yet another expense and another hassle. It’s most likely that you’ve never had to make a claim. But when the worst happens, and it sometimes does, you’ll be glad of it. But it’s surprising that many landlords aren’t covered at all or have the wrong... Read more
Cannabis Factories. Are you at risk?
Hamilton Fraser provides best practice guidance for landlords Police forces across the country have reported a rising number of rented properties being used to grow cannabis. Purely from Hamilton Fraser’s experience, claims for damage caused by unscrupulous tenants can range from a few thousand pounds to total losses from resultant fire. To help prevent your rental property from being... Read more
Is your address increasing your insurance premiums?
How much money do you think you could save on your home insurance, based on nothing but your postcode? The answer, it seems, is quite a lot – around £180 in fact – with those in areas of Bournemouth getting the best prices in the country on average. The southern holiday resort has two of the cheapest postcode districts in the country according to recent research, the average premium... Read more
Choosing the Correct Landlords Insurance
This post is brought to you by Towergate Connect, specialists in insurance for landlords. Failure to take out the correct landlord insurance could prove to be a very costly mistake. As a landlord you are effectively running a property business. As such your main asset is your buy-to-let property investment and it’s critical that you safeguard this with the correct insurance... Read more
A guide to landlords’ insurance
If you`ve bought a property with the intention of renting it out, you may think a standard home insurance policy is sufficient to cover your needs. However, what if the there was a rent dispute or you lost rent as a result of an insured event? This is where landlords` insurance comes in and here we look at how these policies work and how to get a good deal. What insurance obligations do... Read more
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Recent Comments
- David Lawrenson: Good piece Freeholds are more valuable to buy and sell (among people who did this sort of thing) if...
- David Lawrenson: James, Good piece but why do Shelter fail to mention the rather important fact that lenders’...
- John Gell: Non-paid utility bills need not concern a landlord and it is not lawful to hold deposit money against...
- Maggie: We once had to install 2 Miele washer/dryers in 3 years for tenants and the original one was a Miele –...
- Sharon Bilsby-Vint: I only ever install Miele Washing Machines in all my rented properties for peace of mind. (I even...
