As a result of modern legislation, fewer landlords get away with leaving their tenants in unsuitable and badly maintained accommodation. A range of rules and regulations now protect the rights of tenants, with an aim of fairness on both sides. To be clear: these rights apply, regardless of whether they’re set out in a tenancy agreement.

If you’re a landlord, simply being aware of tenants’ rights is not enough – you must be willing and able to act on them to stay on the right side of the law. One way to protect yourself is to get landlord insurance to cover you for a whole range of repairs and household problems. It could well turn out to be the financial safety net that encourages you to get things sorted sooner rather than later.

There’s a wide range of tenant’s rights, but there’s a handful you need to pay real close attention to, such as:

• Giving your tenants the freedom to live in your property undisturbed
• Keeping the property in a good state of repair
• Giving your tenant access to details of their tenancy agreement at any time
• Protecting your tenant from unfair eviction at all times

Read more »

When looking to purchase a new property securing a good deal on your home insurance is one of the most important parts of the house-buying process.

When it comes to deciding on a policy, it is important to know what you are looking to be covered – considering everything from the land itself to the tools in your garden shed. By double checking your policy details before signing on the dotted line you can ensure that you and your possessions will be well covered in the event of incident.

Home insurance usually comes in two parts – buildings, which covers the exterior of the property, and contents which will cover items within the dwelling. Both are available separately or as a combined policy and will come with an excess value that can be used to cover your personal possessions up to that amount.

Read more »