landlord Archives -

What Is Public Liability Insurance – Is It A Legal Requirement In Rented Properties?

In a rental property policy, Public Liability (or Property Owners’ Liability as it is more commonly stated) covers your legal liability, as Property Owner, for accidental death or injury (or disease) occasioned to a Third Party, be that a tenant, a visitor or a trespasser. It also extends to cover Third Party property damage e.g. if a slate blows off your roof and hits a parked or passing car...

Landlord Contents/Apartment Blocks Insurance

Apartment Building Insurance Already Included In Service Charge – Why Do Investors Need More?

If your property is insured under a block policy i.e. an apartment, this policy will only cover liability arising from accidents in the common areas i.e. the hallways, stairways, landings etc. It will generally not cover accidents occurring inside the apartment. To ensure you have liability cover within the apartment you must have (Landlord’s) Contents insurance, but check that it covers liab...

What does your landlord insurance policy actually cover? What are Common Exclusions?

What your landlord insurance does (can) cover – Fire, Storm, Escape of Water, Flood, Theft, Subsidence, Impact by Vehicle, Loss of Rent, Fire Brigade Charges, Glass, Trace & Access, Public/Property Owners liability, injuries to Domestic Employees. What your landlord insurance does not cover – Wear & Tear, Gradual Deterioration, Theft by member of the household, Property in t...