Finding affordable insurance for your let property that has had historic subsidence issues can be quite an ordeal – the tending process can be lengthy if you do not approach the right markets initially but even more so if you do not know the who, what and where the “right” markets are. Read More
Student let buildings insurance is a needle in a haystack when trying to find good quotes. We have been insuring HMO’s for over 20 years now and have all the providers to make insurance a lot more affordable. Students are usually rated as double the risk when compared to Professional tenants in the HMO insurance market. They have parties, go out get drunk, come home leave ovens on, or go out and leave portable radiators on for days at a time, smoking in rooms and cigarette butts falling on the floor, the list goes on. Students are grown up kids who are letting lose for the first time, so anything could happen. Read More
A lot of tradesmen look at contractors all risk insurance as a real burden, purely due to the fact that it is more money coming out of there pocket for something they think they do not need. If you are reading this it is more than likely that someone has tipped you off about this sort of cover and that you do need to protect your company a bit more than what you think you did. Contractors all risk insurance covers you for your contract / cost of contract / public liability employer’s liability/ own plant / hired in plant, hired in plant charges / employees tools / site huts etc. Read More
Insuring a listed building is just like insuring any other property. The same questions are asked, the same underwriting applies, the only issue is the majority of underwriters are not keen on taking on this type of risk.
When a property dates back hundreds of years there could be plenty of minefields with the building. The foundations, the brick work the ground it was built upon the materials used etc. This is where specialist insurers come in to cover the eventuality of a claim. Read More
There can be several reasons you may need to insure your property whilst unoccupied; it could be undergoing sale; going through probate; undergoing works or evening undergoing purchase – these reasons can leave you red in the face when searching for insurance quotations as insuring vacant properties can be extremely costly! Read More
Even before you have come to us to get insurance for an HMO, you will have to obtain, unless you are a cash buyer a mortgage. Home of multiple occupancy mortgages are not easy to come across. There are at current less than ten providers out of 150 that will not provide a mortgage to a landlord that rents out HMO properties.
Whether it is an HMO student let insurance or a professional let insurance you require, the complication DOES NOT START THERE IT STARTS WITH OBTAINING THE FINANCE. It is very rare to find a mortgage that will cover the (home of multiple occupation status). Read More
A keen eye in the property market may lead one to purchase accommodations located near universities, given that there will be a huge appetite for students to rent resulting in consistent enquiries for potential tenants.
Depending on the locale, you also hold the strings for potentially lucrative rentals too and as with most student let properties it’s always best to let on a HMO basis. Read More
We cover all areas for buildings insurance where properties are let to students. Our rates are extremely favourable and we believe our cover is the best you can get, with the majority of the risks we place being with an A rated insurer. Read More
For those who are great with children, being a child minder is an prudent way for extra income whilst at home – getting the children to behave may be the easy or tricky part; getting your insurers to continue cover may be the hard part.
Many household insurers do not cover homes that are used for business purposes or if they do, the minimal trades they will cover will have to be clerical only. Read More
Have you just purchased a property to rent out to students or do you have a let property which is rented to students and is due for renewal. If so we have the best insurance rates on the market for landlords who have student tenants.
Students let insurance can be very expensive with the majority of providers. At Goldcrest we have been providing this form of insurance for over 30 years and believe we have the best insurers and the best prices. Read More
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