Property Owner insurance you can trust
Property Owner Insurance
For a Property Owner, whether the investment is in domestic property or in commercial property there are a number of aspects that need to be considered:-
Will you manage the property and tenants yourself or employ a letting agent?
Will you be letting on a long lease or short term rental agreement?
When tenants move out are you able to insist that the property is left in reasonable condition?
Will you be using a standard rental agreement for a six month tenancy, if a domestic property?
Are you looking to develop the property with a view to selling it on?
Are you applying for planning consent to alter the property?
Are you considering any alterations to the property that will require compliance with building regulations?
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Whatever the situation you need to cover the building in case of damage from whatever cause. If you have contents within the property you may wish to insure these as well. Remember the rebuild cost may not have any relationship with market value.
Cover can be restricted to cover against Fire, lightning and Explosion or full Accidental Damage plus loss of rent. You will require Property Owners Liability and if you have any employees, Employer’s Liability. Also cover can be provided for a building in course of alteration or extension.
Legal Expenses in case you have to consider litigation for any reason.