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An empty property needs unoccupied property insurance

Article by Richard Burgess









There may well be times when, as a landlord, your property may be empty and you may need to think about unoccupied property insurance.

Even if you have landlords cover already in place, you may find that this may not provide protection for your property if it lies empty for periods of 30 days or more. This is because the risks to your property change when there is no one living in it.

The presence of tenants in your property may help deter opportunistic thieves or vandals. They may typically also be depended on to report any faults or damage to you, which can then be put right promptly, thereby preventing further and possibly more severe damage.

The reason why your property is empty does not really matter:

• you may be about to carry out major refurbishment or repair;• perhaps work already under way by builders has been delayed;• you may be experiencing problems finding new tenants; • perhaps your new tenants have been delayed.

The important factor is that the property is unoccupied.

Nor is unoccupied property insurance just a requirement for landlords. Owner occupiers may also require it if they:

• are away from home on an extended holiday or business trip;• have a property that is under probate;• have inherited a property that is surplus to requirements and is on the market or awaiting finalisation of sale contracts etc.

The terms and conditions attached to unoccupied property insurance policies may differ to those for standard landlords cover.

You may, for example, be required to:

• keep the garden, if you have one; tidy with the grass cut, have builders rubbish cleared away and so on, as these can be tell tale signs of a property being empty;• make sure that your property is well and regularly maintained thereby helping to nip potential and possibly more severe problems in the bud;• keep a log of the dates of visits and the work carried out;• arrange for lights to automatically light up windows as darkness falls;• ensure that heating and water systems are drained down to help reduce the risks of water damage to your property.

You may or may not have control over whether your buy to let property is going to be empty or for how long. What you do have though is the means, through unoccupied property insurance, to ensure that your property has cover adequate to provide you with the financial protection you expect.



About the Author

Richard Burgess is Director of cover4letproperty (http://www.cover4letproperty.co.uk) a dedicated UK landlord insurance broker. Their easy to use site and friendly staff will get you multiple quotes from specialist insurers for landlords insurance at a competitive price.










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How To Shop For House Insurance Online

Article by Carlos Scarpero









Are you shopping for house insurance? Then you’ve probably been online looking around to see what’s out there. The Internet has made it easy to shop for house insurance online. You simply put in a few search words and in a moment’s time, you have dozens of choices to peruse. Choosing the right one for you can often be the most daunting task.

Understanding House Insurance QuotesIf you’ve been searching for house insurance online, then you know that the first thing a web site will want to know is your zip code. The reason they ask for this is because house insurance prices vary according to where you live. Areas of the country that are more prone to natural disasters will have higher rates. Also, homes located in the city as opposed to a rural area will often have lower rates.

The age of your home is also a factor, which will affect your house insurance quote. An older home may have electrical issues that would compromise its safety, thereby causing the rate to go up. The foundation type and roof will also affect the overall cost of your house insurance.

Online companies make it easy these days to get a good rate quote for your house insurance. You simply fill out one simple questionnaire and within 24 hours you will receive many offers. Sifting through all these offers can be a daunting task, but if you know what you’re looking for, the task is made simpler.

Some Questions to AskAs you contact the various house insurance companies that respond to your online request for information, have a list of questions ready for them. There are certain factors that will help you obtain the house insurance online that is right for you and your family:1. Do you have a local office in my neighborhood?2. Will an agent be coming out to our home?3. Is there a discount if we insure our home and our auto?4. What is your procedure should we ever need to file a claim?5. How long does it take before our home is insured with your company?6. Do you allow the premiums to be paid in monthly installments?

Normally, much of the paperwork for your house insurance can be done online or via FAX, but a representative of the insurance company will eventually come to your home and do a brief inspection. While there, the agent will measure your square footage and take photos of your house.

House Insurance online can be handy and convenient for both you and the company you choose. It should be a pleasant experience for you and your family and hopefully you will develop a cordial relationship with your new friends at the house insurance company.



About the Author

Looking to save money on your house insurance? Get more money saving tips and advice by going to www.houseinsurance-quotes.com.










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Compare Home Insurance Rates with an Online Quote

Article by Andrew Bicknell









If you want to get a truly good deal on protecting your home then compare home insurance rates with an online quote. Home insurance as a general rule is not overly expensive but it also doesn’t mean you need to pay more then need be. And the peace of mind you get knowing your most valuable investment is properly protected is well worth the effort.

The great thing about going online to get insurance is being able to get multiple quotes in a short amount of time with minimal effort. All the big insurance companies have an online presence that includes websites that let homeowners fill in the necessary information online and return a policy quote in a matter of minutes.

Most insurance companies require the same information to accurately quote your home owners insurance needs. If you gather this information before hand you’ll be able to quickly fill out the required information. If you have a current insurance policy pull it out of the file and look it over. A good portion of the information you need will be on it. The main questions you will need to answer include:

1. The square footage of your home, the year it was built, and in some cases the type of construction.

2. The amount of coverage needed, which is based on the amount of money it would take to rebuild your house from the ground up. Many people mistakenly insure their home for its perceived resale value, which in most cases is too much insurance.

3. Do a home inventory to determine the amount of personal property coverage you will need.

4. Decide how much deductible you are willing to pay. Most insurance companies require at least a 0 deductible but you can opt for a higher amount which will lead to a lower premium.

5. They will also want to know the location or distance from your home to the nearest fire station. They may also ask for the distance to the nearest fire hydrant.

You can plug this information into any insurance website and get an accurate quote in just a few minutes. When you want to compare home insurance rates it doesn’t get any easier then this.



About the Author

To get started obtaining a free home insurance quote online visit the web site Home Insurance Quotes by Clicking Here.










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Landlord Home Insurance: Live In Peace

Article by Henry Bell









If you have given your home on rent, then you should seriously consider buying a landlord home insurance policy. Landlord home insurance is something a person to consider buying even as early as when they are considering the purchase of a property. Landlord home insurance or buy-to-let insurance is a combination of covers packaged together by insurers to provide with the essential components to ensure that their investment is adequately protected and secured.

All types of landlords require insurance for their properties. From the landlord who has given a single flat for rent or to the entrepreneur who has given a large portfolio of property on rent, a significant amount of money is tied up to the property. So with a landlord home insurance policy, you can be secured that even if anything happens to your investment, you can conveniently handle those without spending much from your pockets.

The following are the basic covers of a landlord home insurance policy:

* Property insurance: The building of your rented home is insured against most risks such as flood and fire for the cost of repair or rebuilding. Even you can pay a little extra and cover risks such as terrorism or subsidence. This cover of landlord home insurance policy will provide security for your garage sheds etc.

* Contents: It is important to keep in mind that when you buy this cover, you are proving protection to the belongings of your tenants. This cover is more profitable, if you provide your tenants with a fully furnished home.

* Liability: As a landlord, you are responsible for the safety of the property that your tenets are living in. If a tenant harms himself due to something dangerous in your property like faulty switch etc; then you may get trapped in some legal hassles. With this cover of landlord home insurance, you can easily handle these hassles.

Before divulging to buy a landlord home insurance policy, you should undertake a thorough research of the insurance market. You should collect various quotes and compare them to locate the best landlord home insurance policy. Now, with internet facilities, you can easily search and locate a landlord home insurance policy. You just need to sit in front of your PC and later buy the insurance that suits your needs.



About the Author

Henry Bell is an author who can certainly identify the kind of insurance that you will need. He is proficient in the insurance world; he is an MBA(finance) from University of Oxford. Insuranceb endeavors to find the best possible deals for its customers. To find Landlord home insurance policy, Home owner insurance, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance in the UK visit http://www.insuranceb.co.uk