Why Choose us?
- Buildings insurance
- Contents insurance
- Malicious damage by tenant
- Full accidental damage
- Property owners liability
- Loss of rent
- Unoccupied properties pending let or sale
Landlords insurance is a must for anyone who is renting or letting their property.
Our landlords insurance allows us to use a panel of insurers who specialise in landlords insurance. As a broker, we can find the best landlords insurance to suite you and your property.
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All about tenants
As a landlord it is vital your property is earning money. At Insurance Choice we have negotiated with our landlord insurers that whatever the type of tenant you have, we can look after your landlord insurance.
A lot of insurers have a minimum tenancy agreement, only covering properties occupied by professionals or they insist on references and gas or electrical inspection certificates. As we deal with a panel of Specialist Let insurers we will negotiate a policy and premium tailored to your needs. Below are some useful links connected to tenancy for your property...
Unoccupied Property insurance for Landlords
Lots of landlords will at some point have a property that is unoccupied either short or long term. The insurance industry has always had a problem with this and the cover provided has always been restrictive and difficult to obtain.
At Insurance Choice we have a panel of insurers that specialise in unoccupied properties. We can arrange a quote to cover theft and malicious damage if required as well as landlords contents insurance.
Malicious damage by the tenant
If you had a dispute with your tenant and they decided to take their annoyance out on your living room walls, how would you feel if you were told this was not covered?
At Insurance Choice we have a panel of landlord insurers so if this benefit is important to you, tell us and we will make sure you are protected against this type of incident.
Why cover contents?
We have many landlords who decide against covering any contents they have left for the tenant because they feel its not worth bothering about. That's fine, we will cover what ever options you want, but it's worth looking at the cost of replacing the basic itemsyou might leave.
Remember contents polices are new for old. So imagine there was a fire at the property and the following contents were lost:
- Fridge - £250
- Freezer - £250
- 5 pair of curtains - £400
- Cooker - £350
- 3 carpets - £300
- 2 beds - £200
- 3 wardrobes - £300
TOTAL - Not far off £2,000. Soon adds up doesn't it?
What if your tenant will not leave?
Most tenants do. You cannot evict a tenant yourself but you can apply to the county court to get your property back. In certain cases, and provided you have a written tenancy agreement, you can use an accelerated possession procedure which can avoid the need for a court hearing.
Accelerated Possession Procedure
This is a quicker method for landlords to gain possession of their property, called the Accelerated Possession Procedure, which can help you get possession of your property possibly without the need for a court hearing.
You can use this procedure if the tenancy is an assured short-hold tenancy. If you use the procedure, you can only claim possession and your costs of making the application. You cannot, for example, include a claim for arrears of rent. The court will normally make its decision by looking at the documents ('written evidence') which you and your tenant provide. Because your application will be dealt with in this way, you must give the court all the written evidence it needs to make its decision at the outset.
You will need to complete the Form N5B Claim for possession which can be downloaded from the HMCS (Her Majesty's Court Service) website. You will also need supply the court with copies of the tenancy agreement, notice(s) sent to the occupier, and any other relevant documents (such as letters).