Most people check two numbers when they buy contents insurance: the premium and the total sum insured. Very few look for a third figure in the policy schedule. That third figure often decides how much they get back for their most valuable belongings.
It is called the single article limit. It sets the most your insurer will pay for any one item, however much that item cost. On many standard policies, it sits somewhere between £1,000 and £2,500. Read More
Most people searching for cover on an empty property type one of three phrases into Google. Empty house insurance. Vacant property insurance. Unoccupied property insurance. In everyday conversation the three sound the same, and searchers use them interchangeably. In insurance, they are not the same, and the difference can decide whether a claim is paid.
Managing let properties, particularly those housing homeless tenants and Houses in Multiple Occupation (HMOs), presents unique challenges for landlords. These properties often involve complex tenancy arrangements and higher risks, making appropriate insurance coverage essential. Insurance for such properties not only protects against potential financial losses but also ensures compliance with regulatory standards. This article aims to provide valuable insights into the specific insurance needs for properties accommodating homeless tenants and HMOs. Read More
Owning a rental property is great, but it comes with risks and extra management responsibilities. For these reasons, every property owner needs to have insurance cover.
Unknown to many property owners, the standard home and content policies may not provide you with the protection you require. Even for landlords with the best intentions, accidents such as fire or theft can sometimes happen. As a result, you end up financially drained and potentially bankrupt after a loss. Read More
Rent 2 Rent is becoming increasingly popular in the property world. It involves the sub-letting of a property. The owner gives full control over to another person or managing agent to act as the landlord. This can beneficial to the property owner as it takes away the work involved in ensuring that property is let, collecting rents, dealing with any tenant issues. It is also seen now in the arena of Serviced Accommodation.
The rise of websites such as Airbnb has completely changed the marketplace and for property owners that want a hands-off investment, handing over responsibility to someone else in managing Serviced Accommodation or indeed an HMO, or standard BTL can seem an attractive prospect. Read More
We recently received a call from a management company to arrange a property portfolio insurance for one of their clients.
With a substantial property portfolio, it can be difficult to manage the insurance cover for each of your properties especially when the portfolio manager has insured them individually, with each property having a slightly different renewal date. Read More
Buy to Let (BTL) property insurance (also known as Landlords’ insurance) is needed to protect you from potentially huge financial outlay in the case of something going wrong with your rental property. It is important that you have thorough cover in place for your own peace of mind. Below are some of the different insurances that can make up comprehensive BTL property insurance , and why it make sense financially to consolidate these various policies. Read More
While there are plenty of other ways to invest your money (stock market trading, becoming a business angel, starting your own business, etc.) it is widely acknowledged that property is one of the best investments for your money. Property has long been a safe way to invest – whereas other means will need you to have specialist knowledge of one sort or another, investing in property is accessible to anyone who can get a mortgage. Read More
If you’ve invested in multiple houses to build up a property portfolio, you’ll know how important it is to look after your investments and ensure you have all the right property owner’s insurance for each. Read More
This is a very popular question we get asked on a daily basis.
Why? Well because the developer isn’t always sure exactly what they need.
Their profession is renovating or building new houses, so how should they know? Read More
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