Property is in Scotland and it’s a flat I used to live in.
When I was living there I had my buildings and contents insurance through Aviva. When I moved out and got a tenant in I contacted Aviva who know the property is let, this is confirmed on policy documentation from Aviva, and they...
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In a muddle about landlord insurance.
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Let down by letting agents. Sue letting estate agents
Hi members,
It would be great if any member can help with my problem.
I have rented out a property and let the agents to managed it. Estate agents did not visit the property since the let and the tenant converted the 3 bed house in to cannabis farm. Now I have unpaid energy bills... -
Freeholder has taken out Landlord Insurance instead of Block of Flats insurance
I'm a leaseholder of a top floor flat in a semi-detached house converted into two flats. Per the terms of my lease, the freeholder is responsible for insuring the building, and I am required to pay my share of the premium.
The ground floor flat and freehold are under new ownership, both... -
Signing multiple agreements to secure insurance premium?
Hi all,
First of all - I have posted about this before, this was during the "is it malicious, is it not" phase. Since then there has been more developments and I wish to share my experience to see what experts/current landlords think. I will avoid posting dates so that I'm not... -
Building insurance being charged by freeholder
i'm sure this one comes up all the time but I went through the first few pages and couldn't find an answer.
The freehold for my flat is owned by Pier management (Regis group) in Southend. The building comprises of two flats with an equal division of the insurance. The amount we are being... -
HMO related - how do I confirm that the tenants are related (form one household?)
Hi everyone.
I have four prospective tenants who claim they are related. They have Bulgarian surnames e.g. in this case son's surname isn't identical to the mother's.
The 4 tenants are: Mother (60s) and Son (mid 20s) and two male cousins (mid 20s) - the mother and son have a similar surname,... -
AST Tenants have turned my House into an Airbnb hostel
As a newish landlord (this is not my job), I have just found out I have a possibly major problem, and would be grateful for any salient advice.
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FACTS:
I own a mortgage-free 3-storey 4-bedroom house in London which I have let out to 3 tenants via an AST (12 months, no Break Clause;... -
Advice needed r.e. building and contents insurance
Hi everyone, I hang my head in shame this morning because I hadn't looked at my insurance premium for a long time but received info regarding it's renewal as of next month, the new total being £590.00! Rising £85 in comparison to last year. The amendments to the contract also show quite a few changes... -
Getting rental guarantee for a tenant with a CCJ?
Hello, I have been asked if I would like to house a couple within a property. The tenancy is for a couple but one of the couples has a CCJ from 2011 of £900, which has come back unsatisfied. Are there any insurance companies that will cover me for rental guarantee before I decline the tenants? I have... -
Strange insurance clause in contract
I'm renting a house for a year and the landlord has inserted a clause that says if there's a fire and his building insurance doesn't pay him fully because it was due to tenant negligence, then we as tenants would be liable for the damage.
Obviously this could run into tens of thousands... -
Insurance for mental health or ex convicts, drug users etc?
Is Freeholder building insurance more expensive or require more cover if there are leaseholders subletting tenants from housing charities who have either mental health issues, ex convicts, homeless people, drug users ect or all of the above?
I am a freeholder and have to insure a building.... -
How does referencing affect insurance?
I'm fairly new to being a landlord.
I have a couple who would like to rent my property. She is currently a student living in France but has a paid internship in the UK starting around the same time as the tenancy, for 6 months, at the same company where her boyfriend is employed. She... -
Bad Experience - How to safely move forward?
Q1 – Islington, London, England.
Q2 – Sole tenant
Q3 – 01/02/2016
Q4 – 12mo
Q5 – pcm 27th
Q6 – Tenant absconded. Was found by police. Turned out details were an identity theft.
Q7 – n/a
Q8 – no
I am a leaseholder of a two-bedroom... -
Water Damage Excess Claim Incident Unknown
I have recently received a letter from my management company who manages the block, I own the flat as a long leaseholder. The letter is stating that I owe £2500, for service charge and ground rent, even though I have made all payments for this, later they have verbally confirmed that the outstanding... -
Stand alone liability insurance
Hi
I am about to let my property. I do not want to move my buildings insurance from my current provider (they have insured me for the last 3.5 years while I was living in the property). However they do not provide "property owner" liability as opposed to occupier's liability...