As a landlord you will know the importance of having good insurance cover when renting out a property. Whether you have a portfolio of properties, or are simply renting out your family home, you will want to be covered in the event of an unexpected incident. There are many different types of residential landlord insurance policies
Buildings insurance can help you financially if your property is damaged in any way. Typically it covers you if there is a fire, a flood or a windstorm. A number of other risks can also be insured against; if there are any that are significant to your property in particular, it is wise to take out an insurance policy that protects against that risk.
Another popular type of residential landlord insurance policy is contents insurance. We highly recommend landlords to have basic contents cover in place, this insures you if any items (such as carpets) within the property were to be damaged. If you have a furnished property with a number of expensive items, it is also advisable to take out contents insurance.
Public Liability Insurance
Most sensible landlords take out public liability insurance. This provides financial protection if a tenant gets injured whilst in your property, and you are found guilty of negligence. In the event that the tenant successfully sues you, your public liability insurance will deal with the financial cost of this
We would be happy to provide personal insurance quotations to meet your specific needs.
In these current harsh economic times this type of insurance provides peace of mind and protects against loss of rent. If a tenant fails to pay their rent, and leaves the property without notifying you, so you can no longer contact them, you can claim the rent back on your insurance. This type of insurance can also help if your property becomes damaged and therefore uninhabitable for a period of time.
Energy Performance Certificates (EPC)
Energy performance certificates (EPCs) give information on how to make your home more energy efficient and reduce carbon dioxide emissions. All rented properties require an EPC and are valid for 10 years.
An accredited domestic energy assessor will need to carry out the assessment of the property and produce the certificate
The price of an EPC is dependant on the size and location of your property. We work with a number of accredited assessors and would be happy to arrange for an EPC to be produced for your property.
Gas Safety and Boiler Inspection
A gas safety record is a certificate, that is required by law to be held for all rental accommodation in the UK where there are gas appliances present. The law requires all gas appliances in a rented property to be checked annually, with a gas safety record being completed and a copy provided to tenants. Gas safety records are completed by engineers who must be registered with the Gas Safe Register scheme, which took over from the previous CORGI scheme in 2009.
To ensure that you meet your legal obligations, we are able to arrange for a Gas Safe registered engineer to carry out routine and emergency gas safety inspections and boiler servicing.
We have a dedicated team of skilled tradesmen, as well as vetted contractors, on hand to provide land-lords with the support they need to ensure that their property is maintained to a high standard.
If your property faces an immediate need for repairs, such as a leak or power failure, we can provide a call-out service to solve the problem. Through our regular property inspections we aim to be proactive and report to oyu potential problems.
However large or small, we can organise for you:-
- Maintenance inspection checks
- General property repairs
- Painting and decorating
- Pliumbing and gas works by Gas Safe registered plumbers and contractors (formerly known as CORGI)
- Electrical work by NICEIC registered electrical contractors
- Roofing and Guttering Maintenance
- Glazing & locks
- Rendering & brick work
- Metalwork & repairs
- Damp proofing & treatment
- Timber decoration & restoration
- Insurance works whether its a break in, water damage or fire damage
We work with our landlords and tenants to ensure that all works are completed promptly and with the minimum of disruption.