Insurance of landlord possessions left at property (not accessed by tenants)

sulzer33

Hello,
I am am just about to rent my property and plan to leave some personal possessions locked in the loft/garage.It appears that some landlord insurance policies do not cover this scenario.Can anybody advise what insurance I would need for this? 
Any help gratefully received.
Many thanks
Julian

AdrianC

Don't.

Store them elsewhere.

GDB2222

Do you need to insure them?

Teapot55

Rather than tenants ‘nicking’ your stuff they’re much more likely to leave loads of their stuff behind when they move out. 

martindow

What is this 'stuff'?  If it's furniture it probably has minimal value and it wouldn't bother me too much if it was uninsured.  If it is valuables or things with sentimental value that would be different and I would be inclined to store it elsewhere.

squizz11

as a tenant myself it's annoying not having access to lofts and garages.   

greatcrested

If it is valuable enough to need insuring, don't leave it in the property. Pay for storage.

Or put it on the inventory and make the tenant responsible eg furniture etc, but not personal items, jewelry etc.... !

Forgive me if I'm wrong, but the question suggests you are what's often called 'an accidental landlord' letting out their home for a short period. What else do you need to do?

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NinjaTune

When you say "loft/garage" does that mean you will be using both?  Seems a bit unfair on the tenant to take away both areas of storage.

The tenancy agreement will need to make it very clear that the tenant does not have access to these areas of the property.  The tenant should be informed of this arrangement prior to them signing the tenancy agreement as it may not be acceptable for them to have no storage areas for their own possessions.  If they have a bike, for example, are they expected to store it inside the house/flat?

Best thing would be to put the items into storage so they are safe from damage and, in the case of the garage, potential theft.

Hannimal

I hope you are planning on taking this into account when you consider rent. LL using a tenanted property as storage space should absolutely lead to lower rent.

Slithery

Bear in mind that by retaining some of the property you will be liable for paying the council tax - not the tenants.

theartfullodger

sulzer33 said:

Hello,
I am am just about to rent my property and plan to leave some personal possessions locked in the loft/garage.I.................

And how will you access the loft/garage? Tenants don;t have to permit you access...