Author Archives: admin
Do you cover malicious damage?
Landlords naturally expect tenants to take reasonable care of their rental property. In most cases, that trust is well placed. Unfortunately, there may be occasions when a tenant – or potentially their friends or visitors – deliberately causes damage to …
Unoccupied property during probate: executor insurance guide
Have you been nominated as the executor of someone’s will? You may already have discovered the important duties that come with the role. If the estate includes property – the deceased’s home, for example – those responsibilities include taking reasonable …
Running a holiday rental: Insurance risks owners often miss
Running a holiday rental can provide an additional source of income, but it also brings responsibilities and risks that don’t typically arise with an owner-occupied home. Your decision to enter the industry may involve many considerations, not least of which …
Vacant property risks: why empty buildings can be harder to insure
Have you ever left your home empty for an extended period and needed to arrange vacant property insurance? You may have found that insuring an unoccupied property involves different considerations from arranging standard home buildings and contents insurance. Many standard …
Property news: tougher rules, house prices and mortgage concerns
Landlords and homeowners are once again making the property headlines. Landlords face an evolving regulatory landscape and a tougher approach to compliance, while the price gap between houses and flats has reached its widest level in 30 years, potentially putting …
Warehouse insurance for landlords: risks and cover explained
Warehouses present different risks from many other types of commercial property. Their size, construction, the goods stored within them and the activities carried out by tenants can all influence the level of insurance risk. This article explores why warehouses are …
UK Holiday home insurance checklist: what cover should owners consider?
Whether it’s your personal retreat from the rat race, a place for family holidays, or a property you occasionally let to generate additional income, your holiday home is likely to be a valuable asset. While enjoying those benefits, though, you …
Protecting yourself from property fraud
Property fraud is relatively uncommon, but when it does occur the financial and emotional consequences can be severe. In its simplest form, criminals steal or misuse someone’s identity to impersonate the legal owner of a property before attempting to sell …
Property owners’ liability insurance for commercial buildings: What commercial landlords need to know
If you own commercial property, you may already have property owners’ liability insurance as part of your commercial property insurance policy. However, the level of cover, indemnity limits, and policy terms can vary between insurers and policies, so it is …
Legal responsibilities for owners of empty properties
Your property is empty, you no longer live there and you’re awaiting its sale. It’s easy to think you can put responsibility for it to the back of your mind, but that isn’t the case. For as long as you …
