Blog

What does UK holiday home insurance cover?

Posted: 6th Mar 2018

There may be many reasons why you are considering purchasing a holiday home. Whatever those reasons might be, it will be imperative to consider carefully the subject of UK holiday home insurance. Some basics Your holiday home has almost certainly cost you a substantial sum. It should therefore be your natural instinct to consider ways Read the full article…

Rent guarantee insurance explained

Posted: 24th Feb 2018

Many landlords, quite understandably, worry about what would happen should their tenants cease paying the rent or perhaps abscond leaving large debts behind. While most landlords would hope that this will never happen to them, in reality, it is always a possibility. That is why rent guarantee insurance is worth considering. Here’s a quick overview Read the full article…

Be aware of changes to HMO legislation

Posted: 14th Feb 2018

It’s almost here. The “it” above is the change to HMO (House in Multiple Occupation) legislation that will take effect from the 4th May 2018. Just in case you’ve missed it, here is a quick summary of what’s happening and some of the potential implications for you in terms of HMO insurance. The background Back Read the full article…

Who needs let property insurance?

Posted: 2nd Feb 2018

This is a question we are regularly asked at Cover4LetProperty. We’d like to take just a few minutes of your time in confirming exactly what let property insurance is and why, in qualifying circumstances, you should regard it as obligatory. Owner-occupiers and landlords If you live in a property you own and nobody apart from Read the full article…

Who needs UK holiday home insurance?

Posted: 27th Jan 2018

In a nutshell, UK holiday home insurance may typically be required (and also may be a condition of your contract with your mortgage provider) whether your property is for your own exclusive use or for generating income. It is designed to provide financial protection in case something goes wrong. Definitions of a holiday home A Read the full article…

Landlord insurance cover: what does it cover?

Posted: 16th Jan 2018

At Cover4LetProperty, we’ve stressed in previous blogs that it is impossible to state in isolation, just what landlord insurance will or will not cover. Different policies have different components of cover and almost inevitably, varying terms and conditions governing them. So, while we can speak with expert knowledge about the policies we provide, we may Read the full article…

Seven things landlords need to know for 2018

Posted: 10th Jan 2018

Future-guessing is always dangerous but there are some likely issues on the horizon for landlords in the year ahead. As it’s early in the year, this seems like a good time to share some of these with you. Do keep in mind though that some of what’s discussed below is subject to events and decisions Read the full article…

Keep your empty property safe

Posted: 3rd Jan 2018

Thieves love empty property. This is a long-established wisdom and one that is regularly restated by the police and the insurance industry. Typically, empty properties come into one of two categories; those that are simply empty or unoccupied for short periods, such as if you and your family are away visiting relatives one weekend; properties Read the full article…

What does unoccupied property insurance cover?

Posted: 27th Dec 2017

Whether you are a homeowner occupier or the landlord of buy to let property, you may know that your property is likely to be more than usually vulnerable when it stands empty and unoccupied for any length of time. In that case, you probably know that the standard home insurance or landlord insurance cover which Read the full article…

Don’t forget your responsibilities

Posted: 20th Dec 2017

Any responsible landlord is likely to be aware of their responsibilities towards their tenants. They have a legal obligation to ensure that any let property is safe and free from health hazards – essential considerations for your tenants, of course, yet also crucial to your running a profitable, legally compliant business, that also meets the Read the full article…