In the ever-evolving landscape of UK property rental, one common query persists: who bears the responsibility for building insurance? Whether you’re a landlord or a tenant, understanding this aspect is crucial for fostering seamless tenancy agreements and effective financial management. In this blog post, we aim to shed light on the intricacies of building insurance […]
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Tenants Contents Insurance explained. As a tenant, you cannot be forced to take out insurance. It’s up to you to decide to purchase cover or take the risk, but you only need to consider contents or liability cover. Responsibility for insuring the building itself lies with the landlord. The term ‘contents’ refers to anything that […]
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Buildings insurance will cover you for flood, fire or theft, but you may not be eligible for help in an emergency situation such as a burst pipe or sudden failure of the domestic central heating system. Our Landlord Emergency Cover (LEC) and Home Emergency Cover (HEC) are 12 month policies that cover a wide range […]
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When you let your property, anything could happen. You need cover that’s designed to protect your investment and the income you derive from it. Our robust buildings insurance for landlords is there to deal with things that go wrong, with accidents, with theft or damage and with problems arising from errors or omissions. You can’t […]
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85% of landlords don’t have rent protection insurance. Is this you? As pandemic restrictions continue to ease and the end of furlough approaches, have you stopped to think about how this might impact your rental income, and what effect it might have on rent arrears? The furlough scheme comes to an end this month, but […]
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Do you think tenants’ insurance is too confusing and too expensive? Do you think it’s your landlord’s responsibility? We’re here to give you the facts. Most tenants don’t realise the risks they’re facing by choosing not to invest in contents and liability insurance. Here’s just a few consequences you could be subject to if you’re […]
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At LegalforLandlords we don’t just consider rent protection insurance as an optional extra. We consider it an essential. Why? Because we’ve seen the devastation caused when rental income isn’t on track or dries up altogether. We’ve helped people through the legal process of regaining control of their property, but without insurance, once that income’s gone, […]
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“Where did I put my keys?!” We’ve all been there, that sinking feeling when you reach into your pocket for your keys and they’re not there. The desperate patting down of all other possible pockets. Often, you find the key, but when you don’t, it’s always at the most inconvenient time. It’s dark, late and […]
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Please be advised that policy terms will change from 1st October 2020*. This is due to current legislation changes and the insurance underwriters amendments. Whilst we understand this is not ideal, we still have a great product to offer – one that remains very competitive, particularly in the current climate. The new policy details are as follows: […]
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A new policy that keeps your income stream flowing – even in tough times. The current crisis might have interrupted the normal flow of business, but that doesn’t mean you should be taken for a ride. “Everything’s fine. The tenant’s a decent bloke. I don’t need cover.” Really? You can predict the future, can you? […]
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Tenants are often confused about insurance – whether they need it and whether it’s worth the cost. In this post, we’ll give a few pointers that will help to clarify the picture. Unlike motor insurance, which is a legal requirement before you drive on the public highway, property insurance isn’t mandatory. Broadly speaking, when we […]
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A survey of 4,500 lettings agents has revealed the shocking statistic that 44% are currently not ready for the tenant fees ban. Let’s hope they have plans to get up-to-speed very quickly because the ban comes into force on 1 June 2019. With three months to go, there’s no time to lose. We know that […]
Read MoreThere is a risk-free way to earn extra income. It’s very simple. You refer people to for insurance. If they purchase cover – and we do all the work – you earn the commission. We’re not talking peanuts. Commission on ten lettings a month could be up to £1000. Get cracking before the fees ban comes […]
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Communities Secretary Sajid Javid has unveiled new plans to reform the UK housing market. Speaking in the House of Commons on the 7th Feb, Javid presented plans to reform the UK’s “broken” housing market through the aptly entitled white paper Fixing our Broken Housing Market. As expected, the reforms focus on stimulating UK housing supply, […]
Read MoreAs individuals, we’re all getting older – hopefully – but it seems that the general trend amongst landlords is the same. In 2004, the London School of Economics (LSE) conducted a survey. Twelve years later they repeated it and the differences are striking. In 2004, 24 per cent of buy-to-let landlords were aged 55 or […]
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