Author Archives: admin
Selling your home? Understanding unoccupied property insurance
Selling a property can create insurance complications many homeowners do not expect. The process of selling your home – from its initial listing, through viewings, offers, exchange of contracts and completion – can take weeks or months. During that process, …
Commercial landlord insurance: how insurers assess business let property risk
Letting a property to a business brings a very different set of legal and insurance considerations from letting a residential home. Commercial tenants use premises for trading, storage, manufacturing or professional services, and these uses can alter both the physical …
Mixed residential and commercial buildings: insurance challenges explained
Some buildings are more complicated than others in the way they are occupied and used. It might be a shop at ground level with a flat above, it might be an office block that also houses residential units, or any …
Do landlords need insurance?
Although arranging landlord insurance is widely considered a sensible precaution by many property owners, it is not generally a legal requirement in the UK. However, although landlord insurance is not normally required by law, contractual obligations such as mortgage terms …
Letting your UK holiday home: insurance risks owners should understand
If you own a holiday or second home in the UK and are considering letting it out to paying guests when you are not using it, then it is important you understand some of the additional insurance risks involved. Even …
A significant month claimed the UK’s property news headlines – let’s see why
The Renters’ Rights Act came into force on the 1st of May and marked a significant change in the relationship between landlords and tenants. The Act introduces a range of substantial changes, placing greater emphasis on landlords understanding the updated …
How do I make a claim on my landlords insurance?
It may be your biggest headache after your property investment – having to make a claim on your landlords insurance. The last thing you need is to have to dig around for your policy documents when you have your tenants …
I have had previous claims – can you still offer me a Landlords Insurance Quotation?
Many landlords worry that previous claims may make it difficult to obtain suitable insurance. However, having a claims history typically does not automatically prevent you from arranging cover. At Cover4LetProperty, we work with a range of specialist insurers and may …
Holiday cottage insurance: What owners of UK rental cottages may need
If you own a UK rental cottage, you aim to generate income from the rents you charge your guests. The property may be regarded as a business asset for insurance purposes. And because it’s a business asset, it differs substantially …
How to secure an empty property
If you have to leave your home or a let property empty for longer than a month or two, it is more vulnerable to loss or damage. That makes securing the dwelling important not only for its physical protection but …
