HMO (houses in multiple occupation) Insurance

HMO (houses in multiple occupation) Insurance   What is an HMO? HMO stands for House in Multiple Occupation. This can include bedsits, purpose built and converted flats, and student accommodation. According to your property is an HMO if both of the following apply: at least 3 tenants live there, forming more […] Read more »

Unoccupied Property Insurance

The Guardian has recently reported that there could now be over a 216,000 empty residential properties in the UK. According to the Ministry of Housing, Communities and Local Government, the number of long-term vacant properties – those empty for at least six months – rose by 5.3% to 216,186 in […] Read more »

Winter-proof your home

As the winter months approach, it’s a good time to do some annual maintenance on your home. Getting ready for colder weather conditions means checking, repairing, and preparing your home to withstand the upcoming rain, wind, and snow.   Check the roof Cracked or missing tiles can let rain in. This can cause damp […] Read more »

How To Keep Your Home Secure This Winter

Winter is coming.  And Winter is a peak time for home burglaries, with thieves using the earlier, longer and darker nights to cover their criminal activities. UK Police forces have found that burglaries can increase by as much as 57% in bonfire week. People are out of the house at firework displays, and the noise of […] Read more »

Why tenants should shop around on Commercial Buildings Insurance

As a Commercial Buildings Insurance Broker I was approached recently to provide a quotation for a commercial tenant. They believed they were being charged over the odds for their insurance by their landlord.   What is Commercial Buildings Insurance? Commercial Buildings Insurance covers the cost of repairing or rebuilding your business premises if […] Read more »

Why your most valued possessions might not be covered

As a Property Insurance Broker I am regularly looking at Home Insurance policies. I’ve noticed a common mistake that some customers make when arranging insurance for their most valued possessions. A home insurance policy that includes cover for contents will protect the items in your home if any of your possessions […] Read more »

Market Value vs. Rebuild Cost

As a Property Insurance Broker it amazes me how often people will give us the market value of their property when we ask for their Buildings sum insured. Very often they will say ‘Well, I paid £250,000 for it’, but what they don’t realise is the Market Value of a property […] Read more »

Commercial Property Insurance

If you are an owner of a Property which a business operates in, even if it’s your own business or one that you let out to tenants, it is usually described as Commercial premise. Most Commercial Property owners are exposed to a number of different risks, this could be because […] Read more »

Deregulation Act 2015 How does it affect Landlords?

Letting regulations are changing regularly, so it is important for Landlords to keep up to date with all new legislation and acts, in order to protect themselves and their investments. The Deregulation Act 2015 was passed 26th March 2015, and contains several changes that will have an effect on Landlords […] Read more »