Tenant Insurance

Colincbayley

notrich wrote: »

Interesting point about cover for tenant liability, but don't fixtures come under buildings?

It is only a minor point, but some tenancy agreements state that the tenant is liable for any damage to fixed glass, hence the point I made.
I am a little rusty on the point as I have been out of the Insurance industry for a few years now. But might be worth checking out.

G_M

Insurance always comes with a 14 day get-out clause. So you could buy it, show the agent, then cancel it.

I'm a LL but would never demand a tenant has insurance. I insure my building and have basic contents insurance to cover my carpets/white goods etc against fire, theft, malicious damage by tenants etc.

The tenants belongings, furniture etc are not my concern. Tenant can insure or not. A LL who demands this is interfering in tenants right to choose in my opinion.

notrich

Thanks, I lost the will to live at the sight of the 16 page document I had to sign at the end of the most horrific few days of agent madness, but just looked back and it does indicate liability.

notrich

G_M wrote: »

Insurance always comes with a 14 day get-out clause. So you could buy it, show the agent, then cancel it.

I'm a LL but would never demand a tenant has insurance. I insure my building and have basic contents insurance to cover my carpets/white goods etc against fire, theft, malicious damage by tenants etc.

The tenants belongings, furniture etc are not my concern. Tenant can insure or not. A LL who demands this is interfering in tenants right to choose in my opinion.

I def don't want to take out agent's cover as it likely wouldn't cover the things I would be paying for.

I'm more bothered about the LL's belongings now! It seems that some LLs take responsibility for their whitegoods and flooring and some shift it to the tenant?

G_M

I'm more bothered about the LL's belongings now! It seems that some LLs take responsibility for their whitegoods and flooring and some shift it to the tenant?

The LL cannot shift responsibility to the tenant. Whatever the contract says. The tenant is responsible if he damages something himself, or acts in an 'untenantlike' way. But that's all.

If there is a fire through no fault of the tenant (ie bad wiring, arson by the kids next door, whatever) the tenant cannot be held responsible for the landlords losses - whether damage to the building OR LL's contents.

There are lots of contracts out there with clauses which are rubbish eg LL can access the property whenever he likes, or only needs to give 1 weeks notice etc etc - these are all unenforcible. Both statute law (acts of parliament) and common law (laws built up over time by the courts) over-ride rubbish written into contracts!

notrich

Thanks, sounds like I need a policy to take care of any dispute/damage as well as laptop. Furniture isn't worth much.

Any recommendations?

lee636

Long shot but you may already be insured via your bank, maybe your current account has an insurance you can use? Might be worth a look.

Or try Bing?! (google is so yesterday :rotfl:)

FTBFun

Endsleigh are pretty good for contents insurance IMO. You don't have to be a student anymore.