Tenancy Agreement

garcon6

Can someone please advise on the points below, i don't think I need to take contents insurance out as the landlord should be insured. A cooker, washing machine and fridge freezer is provided. We won't really have any valuables and we will be extra careful. Is there anything else that we should be aware of in a contract.

Regards,

Garcon 6


INSURANCE:

The Tenant is warned that the landlord's policy does not cover his possessions and is strongly advised to insure his belongings with a reputable insurer.


We are strongly advised to take out tenants contents insurance to include accidental damage to landlords belongings as this may help to protect your deposit,

clutton_2

the LLs insurance will not cover your belongings.

re anything else - what else worries you ?

tbs624

So did you get it all sorted out & agree to rent the one with the damp patch or go elsewhere ?

Some tenants do bother with such insurance, some don't - entirely a matter of personal choice and your LL is complying with the Unfair Contract Terms suggestions with that wording as s/he may not actually *insist* that you take out the insurance. You have to bear in mind that some LLs do not insure their own contents such as white goods etc, although they should have specialist LL buildings cover.

As regards the rest of the contract just read through it carefully and query anything that gives you cause for concern: you can negotiate terms. You can always post back here with any of the terms that appear dodgy to you, and you'll get plenty of comments

Take photos of everything when you move in and get a signed inventory completed - remember that it protects your deposit in the event of a dispute on condition.

olly300

The clause in your contract is fair. If you don't want to take out contents insurance then fine.

However if you get burgled or the property gets flooded then you get nothing back.

Read the sticky on the tenant's guide to renting at the top of the forum.

Premier_2

garcon6 wrote: »

... Is there anything else that we should be aware of in a contract....

Yes, each and every term of it. If you don't understand anything, ask before signing it. If you don't wish to be bound by any of the terms, don't sign it at all.

Debt_Free_Chick

You want insurance for your own contents. You also want insurance to cover any damage you cause to the LL's contents and other property.

Or if you don't want insurance, have deep pockets

tbs624

Debt_Free_Chick wrote: »

You want insurance for your own contents. You also want insurance to cover any damage you cause to the LL's contents and other property.

Or if you don't want insurance, have deep pockets

Some people swear by always having the most comprehensive contents insurance complete with all-risks bells & whistles, others manage with the bare minimum of cover or none at all.

Some folk actually manage a whole life-time of both renting or owner-occupying properties without having contents insurance ....... and they need deep pockets to keep all the money that they've saved on insurance company premiums. ...;)

prudryden

(1) Contents insurance is relatively inexpensive.
(2) Contents insurance normally comes with liability cover.
(3) The most important part of contents insurance is the liability cover.
(4) If you don't have anything of value now and you don't have liability cover, you may never have anything of value.
(5) If someone injures themself in your property and it was because of your negligence (e.g. tripping over a suitcase or something), you could have your earnings attached for a very, very long time depending on the injury.
(6) Nothing to do with deep pockets or not.

garcon6

The LL informed is that the damp patch has been ressolved it was a crack on the external rendor. It has been re-plastered and wall-papered we will inspect it when we get our keys on Monday. Might just ask them about Electric safety certificate, everything is electric.

Thanks

Gracon6

Premier_2

garcon6 wrote: »

...Might just ask them about Electric safety certificate, everything is electric.

Thanks

Gracon6

Unlike gas, there is no legal requirement for an electrical safety certificate for rental properties.

tbs624

Premier wrote: »

Unlike gas, there is no legal requirement for an electrical safety certificate for rental properties.

Not true for all rental properties ......HMOs *are* required to have them: see The Management of Houses in Multiple Occupation (England) Regulations 2006 S6 (3)