My Tenants Experienced a Burglary Just Before Christmas, Are They Covered?

“I’ve just been informed by my tenants that they have been burgled; the back door has been severely damaged and all of their Christmas present have been stolen. I need to know what is covered by my Insurance so that these damages can be repaired and hopefully my tenants can receive some compensation for the contents that have been stolen.”
The Crime that Spikes Around Christmas & Why
It is not uncommon for there to be a spike in the number of break-ins around this time of […]

The Landlords Battle against Organised Crime in Their Properties

 
Many Landlords may be under the impression that if illegal activity is carried out in a property that they are renting out, that they will be protected by their insurer but sadly this is usually not the case. We are here to guide you through what to look out for to ensure that you are not left uninsured due to some troublesome tenants.
We are going to talk you through the common and unusual scenarios that are leaving landlords properties all over the UK, vulnerable and […]

Case Study: My Neighbour Has Flooded My Flat

The Scenario
A landlord who is currently letting out one of their flats has recently had news that the tenants that live above the flat have left the bath running and flooded their property which has resulted in a soggy ceiling. The question is, who pays the insurance excess?
The Outcome
The first question to answer is “who’s to blame?” and in this situation the obvious answer would be the tenants from upstairs who left the tap running, but maybe there is more to the story. It is […]

Top tips for tenant screening and reference checks

Let’s try and get your tenant selection right the first time
A property is one of the most valuable assets a person will own in their lifetime and therefore in an ideal world this asset will have minimal risk and therefore minimal damage or value depreciation.
Lets talk through the dos and don’ts when it comes to finding the right tenants to occupy your properties.
Do you have an ideal tenant in mind?
I’m sure we would all like some tenants who have a regular income, don’t smoke, don’t […]

How do proposed legislation changes impact HMO landlords?

Minimum bedroom size, mandatory licensing and personal checks
If you currently own a property that is let to multiple occupants you are going to need know about the changes that could soon be coming your way including minimum bedroom size requirements, mandatory licensing and personal checks on yourself. So, let’s get started!

Bad Tenants Infographic

Currently the UK is experiencing a great boom in its rental sector.  The majority of the time, your tenants will be polite, responsible people who will treat both you and your property with respect.
Unfortunately, as any experienced landlord will tell you, at some time or another you will be faced with a tenant who is neither polite nor responsible. The key with these situations is to try and remain professional at all times, and also go through the proper channels when dealing with a problem […]

Keycare Insurance Cover now Available from Us!

For a quote, call us now on 0344 557 1204
Bedford Keycare
KeyCare Insurance – The Benefits:
• Up to 35% of keys are recovered
• No excess to pay at point of claim
• Protects No Claims Record on car / home insurance policy
• Any keys attached to the fob are covered, including Infra-Red remote
• Personal security is never compromised
• Available 365 days a year, 7 days a week, 24 hours a day
• Complete peace of mind
• Unlimited claims up to […]

Credit Unions, the new banks?

Credit Unions, the new banks?
Landlords, in common with the majority of the population, are viewing the coming budget with trepidation. Apart from the feared cuts and tax hikes that will affect all the population, the residential landlord is steeling himself for the announcement of a massive rise in Capital Gains Tax. What better time then, for the average landlord to appraise his financial situation and spend some time looking at different areas where he can ease his financial situation.
First of all he can look at […]

Retirement age to go up

Retirement age to go up
It is no secret that one of the main reasons behind the upsurge in buy to let residential landlords has been the uncertainties in financial matters over the last 10 years. Earlier in the century, many contributors to orthodox pension schemes saw their predicted pension incomes slashed while others saw theirs disappear altogether in stock market crashes after 9/11. Then more recently the bank crisis and recession have had a similar effect, with more people than ever before becoming nervous of […]

Help and Advice for Landlords

Landlord Advice – As is the case in most ventures, help and advice from within the trade or profession one has earmarked to make a living in, can be invaluable. Although it is inevitable that stepping into a new project is bound to be fraught with anxieties and tensions, inside knowledge can help you avoid many pitfalls and so save both time and energy, not to mention money.
This applies to the prospective residential landlord as much as any other business. From the very outset there […]