Insurance

It is absolutely essential that, if you are going to place a tenant into your home, that you are properly insured so that your property is safely covered for damage by the tenant. You will NOT be living in the house, your tenant will be.

Are you covered if your property injures your tenant?

If you are not covered for damage by the tenant you are wasting your money on inadequate premiums

We will also strongly advise your tenant to have insurance for his own belongings and to have insurance in place to cover any accidental damage to your property.

You may be interested in insuring to provide the best legal cover in the unlikely event of a legal tussle with your tenant.
The risk is low so the premium is low.

You may be interested in having your rent guaranteed by the insurance company if the tenant does not pay.
The risk is low so the premium is low.

We are able to advise on the best insurance products to suit you and there is plenty of inexpensive choice.

1. Payment of your rent until vacant possession has been gained
2. Full legal cover up to Ł25000.00
3. No excess
4. Policy in force for six months up to seven months rent paid
5. Option to renew

This policy must be taken out prior to the tenancy commencing

Only Ł50.00 plus ipt for first six months
Renew for Ł40.00.
Just 25 pence per day!! Can you afford not to have it?

1. The rebuilding of the property following loss or damage caused by fire, aircraft, smoke, malicious persons (including tenants)
2. Accidental damage to bathroom fittings, glass, lightning explosion, collision or impact, falling trees and earthquake, break-ins, subsidence, riot, storm, floods, escape of water or oil.
3. Loss of rent up to 20% of the sum insured following damage
4. Property owners liability including damage to tenant
5. Employers liability
6. If unfurnished up to Ł5000 damage to carpets, curtains, sun blinds fitted kitchen.

We are fortunate that WA post codes are in a low cost area and we are able to offer the full cover for buildings for only Ł1.90 per Ł1000 of cover plus 5% insurance premium tax. i.e.
House valued at Ł100,000 would be insured for just 100 x 1.90 = Ł190.00 +5% ipt =Ł199.50

House valued at Ł155,500 would be insured for just 155.5 x 1.9 = Ł295.45+5% ipt =Ł310.22

To enjoy the benefit of the limited contents cover at item (6) simply add Ł63.00 to the buildings premium
Payment is possible annually or monthly by direct debit

Excluding the first Ł50.00 of claim, cover for up to Ł30,000 damage by
Fire, Lightning, Aircraft, Explosion, Smoke, Impact, Burst pipes or leakage of oil, storm or flood.
Accidental breakage of mirrors, glass in furniture or ceramic hobs up to Ł500.00
Damage by the tenant up to Ł2500.00
Public liability
Loss of rent up to 20% of the sum insured if the cause renders the property uninhabitable.

1-2 beds Ł 90.00
3 Beds Ł105.00
4 Beds Ł120.00
5 Beds Ł135.00

This policy requires annual payment which may be paid through your account with us.

If Ł30,000 of cover is too much, we are able to offer cover for Ł10, 000 of contents value for a fixed amount of Ł73.50 which would still include full liability insurance against injury to the tenant or member of the public.

Whatever your insurance requirements are in connection with your property whilst it is let, contact our office and we will give full assistance.

Check these rates with what you are currently paying.

Remember these policies recognise that it is a tenant in your property and not you and they provide the maximum cover available.

Give yourself total peace of mind - Be properly insured.

If you wish to give us your renewal dates of your current insurance policies, we will contact you at that time. If you cancel existing policies you will normally receive a refund.