Whether you joined the ranks of buy to let landlords with the specific aim of making a more or less full-time business of it, or whether you found yourself with a suitable property on your hands and became an “accidental” landlord, you are almost certain to have considered the importance of landlords insurance.

Without this cover, the property and its contents remain at considerable risk of loss or damage, the income stream on which you have come to rely might suddenly become disrupted, or you might face financially crippling claims for damages if someone else is injured or has their own property damaged.

In other words, you might consider landlords insurance – or buy to let insurance, as it is also known – an essential form of protection.

Not only that, but if your property is mortgaged, it may typically be a condition of your contract with the mortgage provider that you have adequate buildings insurance in place in order to protect both your financial interests.

So, what are the main aspects you might want to consider when buying your landlords insurance?

Buying the correct type of cover

• there are a number of different types of property insurance – from standard home insurance for owner occupiers, to cover for commercial property, and insurance specifically designed for landlords for any kind of let property, whether that is residential or commercial;
• perhaps as obvious as it might seem, it is important that you choose the correct type of insurance – landlords insurance – to protect your let property and the business in which it plays such a central role;
• if you have ordinary home insurance, but the property is in fact let to tenants, for example, you may discover to your cost that any subsequent claim is rejected by your insurer;
• make sure you are clear about who is living in the property – professional tenants, students, housing benefit claimants or asylum seekers, for example – as some policies may exclude certain tenancy types or require specialist cover.

Buying from a specialist provider

• you might avoid any such costly error of course, by buying your cover from an expert and specialist provider of landlords insurance – such as ourselves here at Cover4LetProperty;
• an experienced provider such as this is well placed to identify the precise type, level and scope of landlord insurance you may need – and deliver a competitively priced quotation;
• you may also benefit from tailored advice on optional extras such as legal expenses cover, rent guarantee insurance, and accidental damage – helping you build a policy that matches your circumstances exactly.

The building and its contents

• at the heart of your landlord insurance is the protection of the principal assets – the structure and fabric of the building itself, together with the contents you own – against a range of major perils such as flooding, fire, impacts (from falling objects or from vehicles), storm damage, vandalism and theft;
• because any of these risks might result in the complete destruction of your property, the total building sum insured needs to reflect the cost of rebuilding it as well as clearing the site if the property is completely razed to the ground;
• any contents which you own in the let property also need to be valued from time to time, to ensure that the cover provides sufficient funds for the replacement of lost or damaged items – either on a new for old basis, or after the deduction of an allowance for wear and tear;
• remember, landlord contents insurance typically covers items such as white goods, curtains, and furniture that belong to you – not the tenant’s belongings, which they are responsible for insuring separately;
• it is advisable to review your buildings and contents sums insured at each renewal, especially after carrying out renovations or upgrades.

Landlords liability insurance

• as the landlord and the owner of the property, you owe a duty of care towards your tenants, their visitors, anyone else who comes onto your property, your neighbours and even passing members of the public;
• if any one of these suffers an injury or has their property damaged through some contact with your let property, they may hold you liable and sue for damages – naturally, the size of any claim depends on the injuries or damage sustained, but cover under your landlord insurance is typically at least £2 million;
• it is important to consider, therefore, whether the landlord liability indemnity you are offered is sufficient for your needs;
• many policies allow you to increase your level of liability cover – and this may be prudent if you own multiple properties or high-value rental homes;
• in addition, liability insurance may extend to cover legal defence costs, which could otherwise leave you significantly out of pocket even if a claim is ultimately unsuccessful.

Compensation for loss of rental income

• when you are running a buy to let you rely upon the income stream generated by rents collected from your tenants;
• if there is a major insured event, however, the property may be left uninhabitable, pending repairs or reinstatement of the building, its fixtures and its fittings;
• if it is uninhabitable, of course, you are no longer able to collect the rent or may need to find alternative accommodation for your displaced tenants;
• you might want to check whether adequate compensation is offered by your insurer for such loss of rental income, and, if it is provided, whether you consider the amounts – and the limits – to be suitable;
• in some cases, loss of rent cover may also extend to cover periods where you are required by law to make improvements or meet new regulatory standards following a claim;
• it’s also worth checking how long this benefit is paid for – policies typically vary between 6, 12, or 24 months depending on the insurer.

This is not an exhaustive list of all the factors you may need to consider when buying your landlord insurance, so, if you remain in any doubt, be sure to ask us.

 

Staycations and travel within the UK are more popular than ever. But that growing band of travellers are also increasingly discerning when it comes to environmentally responsible accommodation.

So, if you let a holiday home, how can you help meet today’s travellers’ expectations for eco-friendly holidays, attracting those guests for whom sustainability is important, while also playing your part in making a better world?

Energy efficiency: Small changes, big impact

Make small changes in the accommodation you offer to create a big impact – cost-effective changes such as:

• energy-efficient appliances;

• LED lighting and smart thermostats;

• quality insulation and draught-proof doors and windows; and

• outdoor lighting triggered by motion sensors.

Let the decoration and materials speak for themselves

You can convey your message of sustainability and eco-friendliness in the materials you use to decorate and furnish your holiday let.

Give the accommodation a unique and stylish air by choosing mainly natural materials – possibly through the use of reclaimed wood. Natural and organic fabrics can also extend to the bed linens and towels you offer.

At least some of your furnishings can be made from recycled or upcycled sources while you could make a point of using only eco-friendly low-VOC (volatile organic compounds) paint.

Sustainable energy

Of course, you’ll establish the most impressive green credentials the greater your use of sustainable energy. Investment in the likes of solar panels for heating your water or generating energy, the installation of heat pumps, and the use of batteries to store the energy you have generated, will all involve a substantial outlay.

Before taking that particular plunge, you might take a step in the right direction by choosing a green energy supplier for your UK holiday let. Look for suppliers such as who are wholly committed to green energy and others and/or offer special green energy tariffs.

Don’t splash out

A credible sustainability drive will also make the most of water-saving features such as eco-friendly washing machines and dishwashers, dual-flush toilets and low-flow shower heads.

If there is a garden surrounding your holiday let, encourage mainly drought-tolerant landscaping so that you can lessen the demand for irrigation and additional watering. Rainwater collection systems should provide most of the water your garden needs.

“Green” holiday experiences

As important as the eco-friendly accommodation you offer your guests is the green, and sustainably low-impact holiday experience that can be enjoyed from your holiday home.

The welcome pack you typically provide for those staying in your holiday let could suggest days out where no car is necessary – whether that’s using public transport, cycle hire, hiking trails, or walking routes.

You can also suggest any local farm shops, farmers’ markets, and eco-friendly restaurants.

To really step up your green credentials, you could even arrange partnerships and come to deals with local, eco-friendly businesses for customer discounts.

Your environmentally conscious paying guests

By adopting just some of these green credentials you may attract more of today’s eco-conscious guests to your holiday accommodation – to the benefit of the guests themselves, your holiday let business, and a grateful planet.

And don’t forget, if you’re investing in major eco-upgrades or new green technology, it’s worth checking your UK holiday home insurance to ensure your improvements are covered.

Whether you’re renovating, relocating, or simply in between tenants, leaving a property empty can expose it to increased risks – many of which are not covered by standard home or landlord insurance policies. That’s where unoccupied property insurance comes in.

This specialist cover helps protect empty buildings from the financial ramifications of damage, theft, and other perils. In this quick unoccupied property FAQs blog, we’ll answer common questions about unoccupied property insurance, including what it covers.

Before we start, please note that this blog is intended for general information purposes only. Insurance policies vary between providers, and different types of insurance policies offer different terms, exclusions, and benefits.

Always check your individual unoccupied property insurance policy carefully to ensure it meets your needs and that it – and you – comply with any applicable conditions.

1. What is unoccupied property insurance, and why do I need it?

Unoccupied property insurance provides cover for buildings that are left vacant for extended periods – typically more than 30 to 60 consecutive days. Standard home insurance and landlord insurance often excludes properties that are unoccupied for too long, due to the increased risk of damage or theft.

2. What types of risks are covered under unoccupied property insurance?

Cover typically may include fire, flood, theft, vandalism, escape of water, and storm damage. However, policy terms vary, and some risks may be excluded without certain precautions in place.

3. Why are unoccupied properties seen as higher risk by insurers?

Vacant buildings are more susceptible to undetected issues like leaks, break-ins, or squatters. Without regular occupancy or maintenance, these risks are harder to manage – so insurers charge more or apply stricter conditions.

4. How can I find the most suitable insurance policy for my unoccupied property?

Look for insurers who specialise in unoccupied property cover. Compare policy features such as vacancy limits, required inspections, levels of cover, and what’s excluded. Always read the small print and check whether add-ons are available.

You can find out more about our unoccupied property insurance here, plus read our Guide to Unoccupied Property.

5. What happens if I need to make a claim while my property is empty?

You must prove you met all the policy’s conditions – like regular checks or maintaining heating during winter. Claims may be reduced or rejected if these conditions weren’t met, even if the loss was valid.

6. Are there different rules for unoccupied residential and commercial properties?

Yes. Commercial properties may face different risks and regulations, and policies are usually tailored to the type of business use or redevelopment potential. Always check the specific terms for each property type.

You can find out more about unoccupied commercial property insurance here.

7. How does the location of my unoccupied property affect my insurance?

Insurers factor in crime rates, flood zones, and even proximity to derelict buildings when pricing policies. Properties in high-risk or economically depressed areas often carry higher premiums.

8. What should I do to protect my property during extreme weather while it’s unoccupied?

Drain pipes, secure loose roofing, and in some cases, maintain heating at a low level to avoid frozen pipes. Document your preventative measures – insurers may require proof if you need to make a claim.

Check with your broker if you are unsure what you need to do to meet your unoccupied property insurance policy’s terms.

9. Are there flexible insurance options if my property is only temporarily unoccupied?

Yes. Some insurers now offer short-term unoccupied property insurance policies tailored to temporary vacancies – ideal if the property is awaiting sale, renovation, or new tenants.

We offer three levels of cover to choose from, plus 3- and 6-month unoccupied property insurance policies, that can be extended if required.

10. What role does technology play in insuring unoccupied properties?

Smart home systems and telematics can help monitor for leaks, temperature drops, or intruders – reducing risk and sometimes lowering premiums. Some insurers offer discounts for using them.

Further reading: Technological solutions for monitoring unoccupied properties.

11. What common mistakes do people make with unoccupied property insurance?

Not informing their insurer of a vacancy, failing to meet inspection requirements, or assuming standard home insurance is still valid. These errors may invalidate a claim.

12. How often do I need to inspect an unoccupied property to meet insurance conditions?

Most policies require regular, logged inspections. Some also ask for photographic evidence. Check your specific policy wording to ensure compliance or speak to your insurance broker for clarification.

13. Can I insure a property that’s being renovated or awaiting planning permission?

Yes, but you’ll need a policy that specifically covers unoccupied buildings undergoing works. You typically may need to declare the type of renovation and ensure builders have their own insurance too. Please read our Guide to renovating.

Summary

Unoccupied property insurance is essential for protecting empty homes from risks not covered by standard policies. By understanding the specific terms, using smart technology, and taking practical steps like regular inspections, you can help keep your property safe.

Whether you’re planning a renovation, working away from home for an extended period, have a probate property or are managing a let, the most appropriate empty property insurance gives you peace of mind during vacant periods.

Conflicting views on the status of the rental market seem to dominate recent property news headlines. Let’s take a closer look at some of those stories …

Council wants private landlords to let or lease properties

A measure of the shortage of affordable homes to rent in the nation’s capital is illustrated in a recent appeal by the London borough of Greenwich. A story in Landlord Today on the 1^st of May reported the council’s plea for private sector landlords to step up and offer their let accommodation in a bid to reduce homelessness in the borough.

In return, the council will provide free support and training to eligible landlords and strive to match people on its housing waiting list to landlords’ available properties.

The scheme aims to reduce the number of tenants in expensive temporary or emergency accommodation. In this way, it looks to achieve a win-win situation for landlords, the council, and, of course, tenants themselves.

The council looks to reduce its expenditure, landlords stand to let otherwise empty properties, and tenants gain a sought-after stable home.

Rents set for summer spike says industry index

Letting Agent Today recently forecast a surge in rent levels this summer – citing market analysis.

Last month, the average rent paid for rented accommodation in England was £1,216 – a level 4.2% higher than last year’s £1,166 in the same month. On a year-by-year basis, the increase represents an increase for tenants of £50 a month or £500 a year. Nevertheless, this 4.2% rise is a shade lower than the increase of 4.6% recorded in March.

As ever, of course, there are regional differences, with the Southeast, West Midlands, and Northwest all recording average rent increases greater than 5%. In the East Midlands, on the other hand, average rents rose by less than 1%.

The rise in average rents in April marked increases for the fourth month in a row.

What’s happening with rents right now?

A somewhat different picture of the rental market is presented in Rightmove’s latest analysis published on the 29^th of April.

The online listings website concedes that rent levels are rising – but at a slower rate than in the past few years. In the three months from January to March, rents outside London rose by only 0.6% over the previous quarter to finish the period at an average of £1,349 a month. This is the smallest quarterly increase since the opening quarter of 2020 – an indication of a relatively stable market.

The current stability is helped by an improved level of supply of rented accommodation which is some 18% greater than this time last year.

The demand for such accommodation has also eased a little. While competition is still strong, it is somewhat lower – so that prospective tenants are able to negotiate their tenancy.

Nationwide House Price Index (HPI)

Perhaps mirroring the stability of the rental market, house prices are also relatively stable, according to the Nationwide Building Society’s report for April.

The growth in average house prices fell from 3.9% in March to 3.4% in April – effectively leaving house prices some 0.6% lower on a month-by-month basis (after allowing for seasonal influences).

The lower rate of growth in prices is largely expected by analysts because house buyers had been especially active in March in a bid to beat the Stamp Duty increases which came into effect at the beginning of April.

Despite the uncertainties of the global economy, house buyers can expect reasonably favourable conditions domestically – and this, too, is likely to dampen any significant surge in prices as the summer marches on.

Water leaks may occur at practically any time of the year, although systems tend to be more vulnerable during the winter time, if pipes have been allowed to freeze and rupture.

The leak may be obvious and immediately noticeable, or it may be a hidden and insidious leak which is difficult to trace.

Whatever the causes, any leak of water may cause considerable damage to the structure and fabric of your property and to its contents. It is one of the major risks against which both standard home insurance and landlords insurance for let properties offer protection.

So, if you are unfortunate enough to have your let property affected by a water leak, what action needs to be taken?

Stopcocks

• both you and your tenants need to know where the internal water supply stop cock is located – typically under the kitchen sink, although it may be anywhere near the beginning of the supply system within the property;

• in an emergency, if you do not know where the stop cock is located or your tenants are out at work and you are unable to gain access to the property, you may need to contact the water supply company to turn off the supply at their own stop valve or water meter (generally outside, between the pavement and the boundary wall of your property);

• the water company may make a charge for shutting off the water supply in this way;

Trace the leak

• with the water supply safely isolated, try to track down the source of the leak – as a first step in establishing just what needs to be repaired and the extent of any damage already caused;

• where a leak seems to be coming from pipework buried in a wall or otherwise difficult to access, bear in mind any further damage a tradesman may cause by trying to trace the leak;

• some landlords insurance policies – such as ours – may include specific provision for the cost associated with tracing and accessing such inaccessible sites;

• before you have any repairs carried out, however, make sure you contact your insurer or insurance broker first (see below);

Contact your insurer

• whether or not you are successful in your search for the source of the problem, and certainly before causing any further damage by trying to access it, it is important to call your insurer to record the incident;

• if your policy is with us here at Cover4LetProperty, we can discuss your claim and make reporting of the incident to your insurer easier.

Loss adjusters

Depending on the nature and extent of any damage you have reported, the insurer may decide to make an appointment with you for a loss adjuster to inspect the property.

It’s quite normal for an insurer to appoint a loss adjuster for a water damage claim, especially if the damage is significant or the repair costs could be high.

A loss adjuster is an independent professional who investigates claims on behalf of the insurance company. Their role is to:

• assess the extent of the damage;
• verify that the claim falls within the terms of your policy;
• help agree the cost of repairs or replacements;
• sometimes, help speed up the settlement of your claim.

It doesn’t automatically mean your insurer thinks there’s a problem or that they’re going to reject your claim. They just want an expert, impartial view before making a decision.

Here’s what you can do to prepare:

• have any documents ready, like your policy, proof of ownership, and any photos you took of the damage;
• be honest and consistent with your account of what happened;
• point out anything you’ve done to prevent further damage (like calling an emergency plumber or drying things out with commercial fans – which will affect your electricity bill).

If your claim is genuine and within the terms of your policy, a visit from a loss adjuster should actually help move things forward.

Alternative accommodation

Depending on the extent of any damage caused by the leak, you may need to consider your responsibility for finding alternative accommodation for your tenants until repairs have been made. The costs of such alternative compensation and the loss of the rental income you might otherwise have enjoyed is typically covered by your landlord insurance policy. Again, you will need your insurer’s authority before finding alternative accommodation for your tenants.

Quotes for repairs

• this is the time when you need to ask for quotes for the repair of the problem;

• clearly, these need to be done by adequately qualified tradesmen and technicians and you are likely to need to furnish at least three independent quotes for your insurer to consider;

• the loss adjuster responsible for your claim may have already suggested a settlement figure or may be called upon to recommend acceptance of a particular quote – remember, the excess may need to be taken from this amount;

• although it is your responsibility to take whatever immediate action is necessary to prevent further loss or damage, under no circumstances authorise repairs to go ahead until you have received clear authorisation from your insurance company – to do so may prejudice the successful outcome of your claim;

Drying out

• depending on the severity and circumstances of the escape of water and the loss or damage caused, you may need to wait for the property to dry out thoroughly before any repairs can be attempted – this may take a lengthy or period of time;

Repairs

• once there has been a sufficient drying out – a matter on which you may need further professional advice – you may proceed to get the repairs done in accordance with one of the quotes authorised by your insurer.

A water leak may cause untold loss and damage to your let property. It may be prudent to remind yourself exactly what steps and course of action need to be taken to ensure a prompt repair and return to normal, together with a full and fair settlement of your insurance claim.

If you’re a landlord in the UK, ensuring the safety of your tenants is not just a moral obligation – it’s a legal one. One of the key responsibilities is making sure that all gas appliances, fittings, and flues in your rental properties are safe and well-maintained.

To demonstrate this, you’ll need a Gas Safety Certificate, also known as a CP12. In this guide, we’ll explain what a Gas Safety Certificate is, how often you need to get one, who can issue it, and answer some common questions landlords often ask.

What is a Gas Safety Certificate?

A Gas Safety Certificate is an official document issued by a Gas Safe registered engineer after inspecting the gas appliances and fittings in a property. The inspection ensures that gas installations such as boilers, cookers, and heaters are safe to use and comply with UK safety standards.

The certificate will include:

• A description and location of each appliance or flue checked
• The name, registration number, and signature of the engineer
• The date of the check
• The property address
• Any safety issues identified
• Details of any remedial work required or completed
• Confirmation that the appliances are safe for continued use

How often do landlords need a Gas Safety Certificate?

By law, landlords must:

• Arrange an annual gas safety check for each rental property with gas appliances
• Ensure the check is completed every 12 months
• Provide a copy of the certificate to existing tenants within 28 days of the check
• Give new tenants a copy before they move in
• Keep a record of gas safety checks for at least two years

If your property is newly built or refurbished and includes new gas appliances, a gas safety check is still required before letting it out.

Failing to comply with these regulations can result in hefty fines or even criminal prosecution, so it’s essential to stay on top of these checks.

Who can issue a Gas Safety Certificate?

Only a Gas Safe registered engineer can legally carry out a gas safety check and issue a certificate. The Gas Safe Register is the official list of qualified gas engineers in the UK.

Always ask to see your engineer’s Gas Safe ID card before allowing them to carry out work in your property. Each ID card shows the types of gas work the engineer is qualified to perform, so it’s worth checking that they’re authorised for domestic inspections.

FAQs: Gas safety certificates for landlords

Q: What happens during a gas safety check?
A: The engineer will inspect all gas appliances, pipework, vents, and flues to ensure they are safe and functioning correctly. They may also test for leaks and check the gas pressure.

Q: What if my tenant has their own gas appliance?
A: Landlords are not responsible for gas appliances owned by tenants. However, you are responsible for the pipework and flues connected to those appliances.

Q: How much does a Gas Safety Certificate cost?
A: The cost of a Gas Safety Certificate can vary depending on your location and the number of gas appliances in the property. If you have more than one appliance – such as a boiler and a gas fire – the price is likely to be higher. It’s worth getting a few quotes from local engineers.

Q: Do I need a certificate for every gas appliance?
A: No, the certificate covers the entire property, but each appliance must be checked and listed on the document.

Q: What if I don’t have any gas appliances in the property?
A: If there’s no gas at the property or all supply pipes have been capped off, typically you don’t need a Gas Safety Certificate. However, if there is an active gas supply, a check is still required – even if only the meter is connected.

Q: Can I combine the gas safety check with a boiler service?
A: Yes, and many landlords choose to do so. A combined service can save time and money, and it ensures the boiler is both safe and running efficiently.

Q: What if my tenant refuses access for the check?
A: You must show that you’ve taken all reasonable steps to comply with the law, such as keeping written records of letters, emails, and appointment requests. It’s advisable to include access terms in your tenancy agreement.

Remember …

Gas Safety Certificates are a legal requirement for landlords and an essential part of keeping tenants safe. Annual checks, carried out by a registered engineer, not only help you comply with regulations but also give you peace of mind that your property is gas-safe.

Staying organised with your certification schedule, using a qualified engineer, and understanding your obligations under UK law will help protect your tenants – and your investment.

Further reading: Landlords guide to heath & safety

Disclaimer:
This article is for general information purposes only and does not constitute legal or professional advice. While every effort has been made to ensure the content is accurate and up to date at the time of writing, laws and regulations may change. Landlords are advised to consult the Gas Safe Register or a qualified professional for guidance specific to their circumstances. The author and publisher accept no responsibility for any loss, damage, or inconvenience caused as a result of reliance on the information provided.

An EPC – or Energy Performance Certificate – is a document required by the landlord or owner of any residential or commercial property that is under construction, being sold, or available to let.

EPCs are designed to show how energy-efficient a property is, giving it a rating from A (very efficient) to G (inefficient), along with practical recommendations for improvement.

Although EPCs are a legal requirement across the UK, though they are regulated and administered separately in Scotland from the rest of the UK.

England, Wales and Northern Ireland are under the Gov.UK scheme while in Scotland there is a separate register.

You can face significant fines if you fail to provide an EPC when one is required.

What does the EPC show?

The certificate confirms the energy performance of a property, using a grading scale from A to G, where:

• A represents the most energy-efficient homes (lower fuel bills)
• G indicates the least efficient (higher running costs)

The EPC is colour-coded and looks similar to the efficiency labels you see on appliances like fridges or washing machines.

Unlike appliances, however, you can improve your property’s EPC rating by carrying out recommended improvements, such as:

• installing better insulation;
• switching to LED lighting;
• upgrading to a more efficient boiler.

These upgrades can help lower your tenant’s energy bills – something that may make your property more attractive and encourage tenants to stay longer.

It’s also a legal requirement to provide a copy of the EPC to your tenants. Failing to do so could result in a fixed penalty.

An EPC remains valid for 10 years, though you might choose to renew it earlier if you make significant energy-saving improvements.

If you’re letting a house in multiple occupation (HMO) with shared facilities or running a hostel, an EPC may not be required. However, for most standard lettings, a valid EPC is essential for each self-contained unit.

EPCs for landlords

The NRLA recently reported that the UK government is planning tougher energy efficiency requirements for rental properties as part of its long-term environmental strategy. These proposed rules are designed to help lower carbon emissions and create more sustainable housing stock. As it stands, landlords must meet a minimum EPC rating of E, but upcoming changes could raise this bar to a C rating by 2030.

These developments reflect the UK’s broader ambition to reach net zero carbon emissions by 2050, and while the aims are environmentally positive, the implications for landlords are considerable. Meeting the new standards will involve planning ahead, investment, and possibly rethinking property management strategies.

What will this mean for landlords?

If the proposed regulations go ahead, landlords with rental homes currently rated D or below on their EPC will need to carry out improvements to boost their property’s energy efficiency. Failure to meet the requirements could result in steep penalties – potentially up to £30,000 for non-compliance.

All privately rented properties – including buy-to-let homes – will be affected. Common improvements might include upgrading insulation, installing more efficient heating systems, or replacing single glazing with double-glazed windows.

For many landlords, especially those with older or traditionally built homes, the scale and cost of these upgrades could be significant. There’s also the challenge of funding the work, managing rising costs of materials and labour, and ensuring any renovations are carried out within legal timelines.

Are there any support options?

While the investment required may seem daunting, the government has introduced and proposed various schemes to help landlords meet the upcoming standards. For instance, the Boiler Upgrade Scheme (in England and Wales) and the Great British Insulation Scheme are aimed at helping property owners reduce the cost of energy-saving improvements.

Outside England and Wales, there is the Home Energy Scotland website – funded by the Scottish Government and managed by Energy Saving Trust – and NiDirect in Northern Ireland who may have help available.

How do I get an EPC?

EPCs must be issued by a qualified and accredited domestic energy assessor.

In England, Wales and Northern Ireland, you can:

• find a registered assessor via the government website;
• view or download existing EPCs for your property.

For properties in Scotland, the process differs:

• use the Scottish EPC Register to find an accredited assessor and view property certificates;
• don’t forget – in Scotland, you’re legally required to display the EPC somewhere in the property once issued.

At a time of rising energy bills, improving your property’s energy performance is not only a legal obligation but can also make financial sense – for both you and your tenants.

Please note: This blog is for general information only and reflects our understanding of legislation at the time of writing. Regulations are subject to change, so always check the latest government guidance or consult a qualified professional to ensure compliance. Any third-party links supplied are for information only and should not be seen as recommendations.

Further reading: Energy-saving tips and green funding for your home

 

On the 12^th of February 2025, the government published the current guidance to landlords on the subject of Right to Rent checks that need to be made whenever letting a property to tenants.

The guidance incorporates a number of changes that might appear relatively inconsequential. As the National Residential Landlords Association (NRLA) reminded its members on the 2^nd of January, it is illegal to let your property to someone without the Right to Rent – and penalties range from fines to imprisonment. In other words, the Right to Rent law establishes statutory obligations on landlords and letting agents – so, there is a critical need to know.

What’s new: The move to eVisas

Probably the most important change comes from the authorities’ discontinuing the use of previously valid Biometric Residence Permits (BRP) and Biometric Residence Cards (BRC) which showed the holder’s immigration status and, therefore, their Right to Rent.

Instead of using these, prospective tenants looking to prove their Right to Rent are now advised to create an online UK Visa Immigration (UKVI) account and the associated issue of an eVisa. Once it is set up, the prospective tenant can give a landlord or letting agent a UKVI share code – together with their date of birth – to prove a Right to Rent. In the meantime, pending the issue of an eVisa, prospective tenants can generate a share code by using their (now expired) BRP or BRC.

The switch to a more robust online system – agreed the National Residential Landlords Association (NRLA) on the 19^th of February – should eventually make life considerably easier for landlords and letting agents when complying with their statutory duty to conduct Right to Rent checks.

Right to Rent document requirements: Lists A and B explained

Of course, some prospective tenants will not have any form of digital proof and, so, the revised guidance also clarifies what documents can be used when Right to Rent checks must be conducted manually.

The documents are grouped into two categories – a so-called List A (those that can be used singly or supported by other documents) and List B (those that give only a temporary Right to Rent).

The document also clarifies the distinction between expired and cancelled passports and how these can be used in support of claims to a Right to Rent. A British or Irish passport that has been physically “clipped”, for example, is one that has been cancelled and cannot be used in support of a Right to Rent. An expired British or Irish passport, however, can be used in support of a Right to Rent.

There is also clarification on the use of Electronic Travel Authorisations (ETAs) which may be considered in the same way as valid passports in support of claims to a Right to Rent. ETAs are valid for up to six months only, so landlords and letting agents must check how long before the document expires.

Right to Rent and Ukrainian nationals

Annex C of the Right to Rent law, explains the current guidance, and also gives details about the various schemes available to Ukrainian nationals.

It confirms new facilities – the Ukraine Permission Extension (UPE) scheme, launched on the 4^th of February – that grants permission to eligible Ukrainian nationals to a further 18 months stay in the UK, with a Right to Rent, the entitlement to work or study, and to apply for welfare benefits as set out in other current schemes for Ukrainians.

FAQs about Right to Rent checks (2025 update)

What is the Right to Rent check?

It is a legal requirement for landlords and letting agents in England to verify a tenant’s immigration status before letting a property.

Do landlords still accept BRP or BRC cards?

No. These documents are no longer accepted for Right to Rent checks. Tenants must use an online UKVI account to obtain an eVisa.

How do tenants prove their Right to Rent with an eVisa?

They must provide a UKVI share code and their date of birth to the landlord or agent.

Can expired passports be used for Right to Rent checks?

Yes, expired British or Irish passports are still valid. However, cancelled or “clipped” passports are not.

What is List A vs List B in Right to Rent documents?

List A documents prove a permanent Right to Rent, while List B documents grant a temporary Right to Rent subject to follow-up checks.

Can landlords accept ETAs as proof?

Yes, but ETAs are valid for only six months. Landlords must verify the expiry date.

Are there special rules for Ukrainian tenants?

Yes, schemes like the UPE provide Ukrainian nationals with an extended Right to Rent along with work, study, and welfare entitlements.

Disclaimer: This article is for general information purposes only based on the author’s understanding of the law and does not constitute legal advice. Landlords and letting agents should always refer to official government guidance or seek professional legal advice before taking action.

So, you’ve got yourself a holiday home in the UK – lucky you! Whether it’s a rustic cottage tucked away in the Cotswolds or a beachside bolthole in Cornwall, owning a second home is a dream for many.

But have you got the most appropriate insurance? If not, don’t worry – here’s your simple guide to UK holiday home insurance, covering what you need to know to protect your property and enjoy total peace of mind.

What exactly is holiday home insurance?

In a nutshell, UK holiday home insurance is a specialist policy designed for properties that aren’t your main place of residence. It’s very different from standard home insurance because it takes into account all the quirks and risks that come with owning a second home – things like leaving it empty for long periods or renting it out to holidaymakers.

Whether it’s your personal retreat or you’re letting it out for extra income, having the most suitable second home insurance cover means you’re typically protected if things go wrong.

What does a holiday home insurance policy usually cover?

Let’s break it down. While cover can vary depending on your insurer, here are some key things most UK holiday home insurance policies typically may include:

Buildings insurance

Covers the actual structure of your property – walls, roof, permanent fixtures – against disasters like fires, floods, or storm damage.

Contents insurance

This looks after your belongings, furniture, and appliances inside the property. Some policies even cover accidental damage or theft by guests, which is handy if you let it out.

Public liability insurance

Super important if you’re renting to guests. This covers you if someone gets injured at your holiday home and decides to make a claim against you. If you’re unsure whether you need public liability insurance for a rental property, it’s important to understand that, as a property owner, you have a general duty of care. This means you must take reasonable steps to prevent third parties, members of the public, or neighbours from suffering injury or property damage as a result of your holiday home.

Your holiday home insurance should protect you against such claims, but it also needs to cover additional risks. This includes potential liabilities towards tenants and paying guests who are occupying the property on a short-term basis. In essence, your policy should also include landlord liability cover.

Loss of rental income

If your property is damaged and can’t be rented out, some insurers will cover lost earnings from cancelled bookings.

Unoccupancy cover (unoccupied property insurance)

Unlike standard home insurance, UK holiday home insurance may cover you if the property is empty for 30, 60, or sometimes even 90 consecutive days.

Why won’t normal home insurance do the job?

Here’s the thing – standard home insurance won’t cut it. Why? Because insurers see holiday homes as a bit riskier. Think about it – they’re often left unoccupied, might be in rural or coastal spots where bad weather can cause havoc, and if you’re letting them out, there’s always the risk of accidents involving guests.

That’s why specialist holiday home insurance in the UK is so important. It’s designed to cover all these extra risks that your usual home insurance just won’t.

How much does holiday home insurance cost?

It varies, but on average it’s a little pricier than standard home insurance because of the extra risks. Insurers will look at things like:

• where your property is located (coastal or flood-prone areas may bump up your premium)
• how often you rent it out
• the rebuild cost of the property
• how secure the place is (alarms, CCTV, locks, etc.)
• how long it sits empty each year.

How can I keep my premium down?

Good news – there are ways to save! Here are a few tips:

• install a security alarm and consider CCTV
• keep on top of maintenance – think leaky roofs and burst pipes – this will also typically be a condition of your insurance cover
• opt for a higher voluntary excess if you can (this is the amount you are financially liable for in the event of a successful claim)
• bundle buildings and contents cover together to attract a discount
• use a reputable insurance broker – such as Cover4letProperty – to help find you suitable and cost-effective cover.

Further reading: Guide to UK holiday homes.

If you’re a landlord  – or indeed any kind of property owner – there’s invariably some news item likely to have an impact on the value of the asset. The trick lies in keeping abreast of what can frequently be a rapidly changing situation. With that in mind, therefore, let’s take a look at some of the latest property news.

House prices continue to rise

The latest house price index published by the Nationwide Building Society revealed that house prices have maintained their more or less stable rise.

The average price of a home in the UK rose by 3.9% in February – compared with a rise of 4.1% the previous month – and marking a current 0.4% rise on a month-by-month basis.

The figures suggest that the housing market has been robust in recent months – even though the overall economic climate poses affordability problems for many aspiring property owners. In fact, the final half of last year saw a 14% increase in the number of transactions compared with the same period in 2023.

Nevertheless, viewing last year as a whole, the volume of transactions in the housing market remained 6% lower than in the months before the pandemic all trading in 2019.

Stability in the rental market

On the 4^th of March, the online listings website Zoopla highlighted some of the latest news relating to the private rental sector.

The previously runaway increases in rent levels seem to have stabilised and inflation in the rental market is currently at its lowest in the past three and a half years. During the past 12 months, rents rose by a relatively modest 3% – significantly lower than the 7.4% this time last year.

The gap between supply and demand is also narrowing thanks to an 11% increase in the number of homes to rent and a 17% fall in the demand for rental properties compared with 12 months ago. Although fewer prospective tenants are chasing the available properties to rent (some 42% fewer than the peak levels of 2022 to 2024), the numbers are still higher than they were before the pandemic. There are still an average of 12 candidates for every advertised rental opportunity.

In the year ahead, rents can be expected to rise by between 3% and 4%.

London borough steps up HMO controls

Houses in Multiple Occupation (HMOs) often get a bad press and seem to attract the worst of the “rogue landlords” in the buy to let market. Brent Council in North London intends to do something about it, according to a story by the BBC recently.

In a bid to root out an unacceptable number of “substandard and potentially dangerous” HMOs, the council is actively considering the reintroduction of tough new licensing requirements. Under previous arrangements, as many as 2,500 HMOs throughout the borough of Brent needed to be licensed.

Improved mortgage rules

Under recommendations from the mortgage industry regulator, the Financial Conduct Authority (FCA) say consumers should benefit from a number of improvements and clarifications to the rules about sales of the product.

According to a report in Estate Agent Today on the 26^th of March, the FCA proposes changes to the current mortgage rules so that:

• mortgage holders will more easily find a new lender for their remortgage;

• reduce the overall costs of borrowing by lowering the repayment terms; and

• discuss mortgage matters with firms other than those acting as regulated advisers.

The FCA intends to begin its consultations with stakeholders in May, with a view to publishing a discussion paper on the mortgage rules review in June of this year.