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Landlord Insurance

Discover the information that you need as a landlord before you make your decision about landlord insurance.

23 05, 2018

Incentives for Landlords, Estate Agents & Property Managers

By |2021-01-15T08:05:29+00:00May 23rd, 2018|Homepage Blog, Landlord Insurance|0 Comments

Incentives for Landlords, Estate Agents & Property Managers Property Insurance Centre have offered specialist insurance policies for commercial and residential landlords since 1976. We are an independent broker with access to a wide range of insurance underwriters such as AXA, Zurich, RSA, Aviva and Allianz. With offices in London and Newtownards, Northern Ireland we have thousands of clients all over the UK and a dedicated new business team ensuring that you do not have to deal with a call centre. Claire, Robert and Gavin are on hand to offer advice on any commercial or landlord insurance questions you may have as well as offering no obligation quotes. When it comes to commercial and landlord insurance policies there are very few companies who will offer a quote online facility. Therefore, if you call us on 0800 085 3761 let us do the searching for you, this also ensures that you [...]

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13 09, 2016

Common Property Insurance Terms & what they actually mean

By |2021-03-10T12:53:45+00:00September 13th, 2016|Commercial Property Insurance, Home Insurance, Homepage Blog, Landlord Insurance|0 Comments

Common Property Insurance Terms & what they actually mean Within property insurance policies there are a myriad of terms and phrases which can be confusing and daunting to the prospective purchaser. I have taken a few of the most common ones here and provided a short explanation of what it actually means. Accidental Damage – Often this is confused and it limitations badly understood. Simply it refers to damage that occurs suddenly as a result of an unexpected and non-deliberate external action. In layman's terms, that usually means an unintentional one-off incident that harms your property or its contents. However there are a few exclusions such as animal related damage ,general wear and tear and mechanical failure. DIY damage can have some exclusions under policies, ie such as some plumbing and electrical work, unless completed by a professional. Property Owners Liability – Property owners' liability insurance enables you to [...]

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23 02, 2016

Pay attention Landlords…

By |2021-01-15T12:46:02+00:00February 23rd, 2016|Homepage Blog, Landlord Insurance|0 Comments

New Tenancy Regulation Comes Into Effect With thanks to GIS. Changes to Section 21 Notices Section 21 notices are used to evict tenants at the end of their fixed term. Under the new regulations, landlords can no longer issue a Section 21 notice within the first four months of tenancy. And if a landlord has been issued a Relevant Notice by their local council regarding the condition of a property, they cannot then use a Section 21 notice for the next six months – this is in order to prevent retaliation evictions against tenants who have raised complaints. Mandatory Documents to Provide Under the new rules there are several documents that a landlord must provide to each tenant in their property: EPC energy efficiency certificate Gas safety certificate DCLG How to Rent Guide Failure to provide these documents at the start of each tenancy could render a Section 21 notice [...]

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17 01, 2016

Fire safety advice for landlords, managing agents, private dwellings, blocks of flats and home owners

By |2021-03-10T11:35:50+00:00January 17th, 2016|Block Of Flats Insurance, Homepage Blog, Landlord Insurance|0 Comments

Fire safety advice Devon and Somerset Fire and Rescue Service (DSFRS) are committed to making sure the community and visitors to the area it serves are safe from fire. DSFRS offers advice and guidance to business and commerce and the general public on all fire safety matters. The advice given in this section is intended to guide and advise Landlords, managing agents and owners of rented properties on best practice as well as your legal responsibilities under the Regulatory Reform (Fire Safety) Order (2005), this is commonly known as the Fire Safety Order (FSO). To view this document please Click here... (written by Devon and Somerset Fire and Rescue Service DSFRS). Get a Quote Insurance under one roof We are specialists in many types of insurance Block [...]

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8 04, 2015

Have you given the correct Reinstatement Cost?

By |2021-01-15T13:59:21+00:00April 8th, 2015|Landlord Insurance|0 Comments

Is your property fully insured? It is important that Commercial Property Owners insure their buildings to the correct rebuilding costs - if you don't you run the risk of under insurance. This is potentially devastating should you have a claim, where you are under insured by 50% and therefore the pay out of your claim will be 50% of the claim cost. This is known as the condition of average. One of our insurers has provided some useful information on how your can avoid this - if in any doubt, do not guess, get a professional reinstatement valuation! Please click in the link below for some further reading: Commercial Property Rebuilding Costs Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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8 04, 2015

Contractors all Risks

By |2021-01-15T13:44:27+00:00April 8th, 2015|Landlord Insurance, Tradesman Insurance|0 Comments

Contractors all Risks There are broadly two types of construction risks insurance.  The first covers damage to property, such as damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. The second covers liability for third party claims for injury and death or damage to third party property. Modern forms of contractors' all risks policies cover both. The basic principle is that contractors' all risks insurance covers those losses not covered by an 'excluded peril'. For example, the JCT contracts exclude from cover risks such as defects due to 'wear and tear, obsolescence, deterioration, rust and mildew, loss and damage arising out of war and for faulty workmanship and faulty design'. The benefit to the insured under this type of policy is that the burden is shifted to the insurer who, to resist the claim, is required to [...]

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8 04, 2015

Know your obligations when insuring your empty property

By |2021-01-15T13:47:21+00:00April 8th, 2015|Landlord Insurance, Unoccupied Commercial Property Insurance, Unoccupied Residential Property Insurance|0 Comments

Know your obligations when insuring your empty property There could be any number of reasons why you have an empty property: you are a landlord who has just bought a new investment property and you are waiting for tenants; you are a landlord or homeowner who is carrying out extensive renovations; you are an owner-occupier whose home will be uninhabited for a period of typically more than 30-45 consecutive days, while you are on an extended holiday, working abroad or another reason; you have inherited a probate property or are going through a divorce and waiting for the marital home to be sold… Whatever the reason why your commercial or residential property is empty, it is important that you: understand the need for specialist unoccupied property insurance in order to protect your investment; are aware of – and adhere to – any obligations under the policy cover. Get a Quote [...]

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8 04, 2015

Employer’s Liability Insurance Guide

By |2021-01-15T13:51:55+00:00April 8th, 2015|Landlord Insurance|0 Comments

Employer’s Liability Insurance Guide With a small number of exceptions, it is a legal requirement to carry Employer’s Liability Insurance to protect people from injury or disease whilst at work. Many businesses mistakenly think that as they do not ‘employ’ anyone that they are free from any obligation. The following aims to clarify the position. Why Do I Need Employers’ Liability Insurance? Under the Employers’ Liability (Compulsory Insurance) Act 1969 an employer is obligated to obtain Employers’ Liability Insurance to protect its employees should they be injured as a result of an accident at work, or become ill as a result of their work. In the event that the employer is responsible, compensation may have to be paid. Employers’ Liability Insurance ensures that the employer has adequate funds to pay this compensation. Am I Required To Have Employers’ Liability Insurance? There are few exemptions from the requirement to carry [...]

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8 04, 2015

What types of high street properties do you insure?

By |2022-07-13T13:26:32+00:00April 8th, 2015|Landlord Insurance, Shop Insurance|0 Comments

What types of high street properties do you insure? As you walk down any high street in Britain you will see a vast number of various businesses that all have different needs when they look for insurance to protect their commercial premises as well as the business itself. Here we take a brief look at the different types of properties on the high street and the different things that need to be considered when searching for relevant cover. Retail There will be a large number of retail properties on the high street, from fashion stores to charity shops; and from pet shops to betting shops. Even within this small number, you can already see some of the different types of insurance coverage that might be required. For example, here is just a small selection: public liability insurance; insurance for stock property cover; shop front insurance; employers’ liability insurance. Get [...]

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8 04, 2015

News round up

By |2020-08-05T11:11:23+00:00April 8th, 2015|Landlord Insurance|0 Comments

News Round-Up A quick look at the news and goings-on in the commercial and residential property world this month .. Growth in commercial property values The UK has seen its 13th month of continual commercial property value increases – up 8.5% so far this year. The strongest growth was, as expected, in the South East with increased returns in May 2014 of 2.2% against a1.8% increase in central London. As an investor this is great news, but as a business owner and property owner it could mean that if disaster did strike, you might find that you are underinsured. The cost of buildings cover may need to be revisited each year, so do make sure you take this into consideration, rather than simply accepting your renewal quote. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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8 04, 2015

Are you aware of asbestos regulations?

By |2020-08-05T11:00:17+00:00April 8th, 2015|Landlord Insurance, Office Insurance, Shop Insurance|0 Comments

Are you aware of asbestos regulations? Regulations exist for the management and control of exposure to asbestos because it is a potentially very dangerous material, prolonged exposure to which, says the National Health Service, may cause the life-threatening lung disease, asbestosis. The material becomes dangerous when it is disturbed by being broken, chipped, drilled into or simply allowed to deteriorate when it releases tiny fibres into the air which is breathed. There are three main types of asbestos: amosite – brown asbestos; crocidolite – blue asbestos; and chrysotile – white asbestos; Although each of these is potentially dangerous, the brown and blue varieties are much more dangerous than the white. Get a Quote Insurance under one roof We are specialists in many types of insurance Regulation Because all [...]

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8 04, 2015

Working from home tips

By |2020-08-05T10:58:07+00:00April 8th, 2015|Home Insurance, Landlord Insurance, Office Insurance|0 Comments

Working from home tips If you run your own business or are able to work from home on a permanent or semi-permanent basis, it may be hard to be disciplined. Here are a few tips to make sure you are able to maximise your time at your desk, and not get distracted by some of the things that you may not find in the office. But firstly, how many people actually work from home? According to the Office for National Statistics, between January and March 2014: There were 30.1 million people in the UK; of those, 4.2 million were home workers; homeworkers account for 13.9% of the UK workforce; the number of homeworkers has grown by 1.3 million and the rate by 2.8 percentage points since 1998. Get a Quote Insurance under one roof We are specialists in many types of insurance [...]

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