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Tenants Contents Insurance
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I think your agent is being a bit cheeky there. Why should you have to insure the LLs stuff? That is for the LL to insure. If you do cause damage to a carpet, that will be what the deposit is for, but even then, they can't claim for a brand new carpet, because that would depend on how old the carpet was (wasn't there a thread on this somewhere?).King_Of_Fools wrote: »Our agent requires us to have contents insurance on our unfurnished house that explicitly has accidental coverage (to cover accidental damage to carpets, etc.) and we got ours from Direct Line (just their standard contents cover). It was cheaper and more comprehensive than that offered by our agent.
When my son went on a school ski trip and hired a ski suit, I was told by my insurers at the time, Churchill, that it would not be covered as we didn't own the ski suit. So we made sure we went with a company where the cost of their insurance, was priced into the hire of the suit.RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0 -
Yes you are right that's why there is landlord's insurance. The issue has come up before.
It's an unfair contract term for an agent or landlord to make you take out contents insurance as part of your tenancy agreement. They can only advise you to take it out.
Even if you do take a policy out you will find no Insurance Company will cover contents owned by the landlord for for fire, flood or theft. So the landlord's contents must be covered by the landlord's policy.
The deposit is there to cover damage to the landlords' property caused by the tenant and if the amount of damage caused is greater than the deposit the landlord can take you to court.
I should have read your post first, before I wrote mine:o Sorry olly. I agree with everything you have said.RENTING? Have you checked to see that your landlord has permission from their mortgage lender to rent the property? If not, you could be thrown out with very little notice.
Read the sticky on the House Buying, Renting & Selling board.0
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