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Landlords Liability Insurance

March 7, 2012

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If you own a buy to let property, then of course you have a duty to ensure that the property is safe, but what happens if a tenant living in your property or their guest injures themselves because of something that was faulty that you didn’t know about? The tenant could make a compensation claim against you and it may be quite large.

CIA Liability Insurance for Landlords

Liability insurance for landlords comes as part of a landlords buildings policy and is designed to cover you in the event of your tenant or tenant’s guests having an accident that could potentially be blamed on you as they were on your premises when it happened.

With CIA’s landlords liability insurance in place you would be covered for up to £5million, so protecting yourself with good insurance cover is a prudent move.

CIA Insurance also offers landlords legal expenses insurance and rent guarantee insurance.

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UK Holiday Home Insurance

March 7, 2012

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More and more people have holiday homes in the UK or around the world. These homes are seen as an investment in bricks and mortar, a potential revenue stream from rental returns and perhaps most importantly, a regular and enjoyable destination that you can take your family and friends year after year. It’s vital you protect this high-value investment and that’s where CIA Insurance can help.

CIA UK Holiday Homes Insurance

It can sometimes be frustrating and expensive trying to find holiday homes insurance cover that’s both comprehensive and affordable, but with our help it doesn’t have to be that way.

CIA Insurance is an expert in providing holiday home insurance and offers superb rates backed by years of experience and a real understanding of the needs of owners. Rental periods, furniture and fixings and void periods are all catered for whether your home is in the UK or overseas. As holiday homes pose a non-standard insurance risk we are well placed to design a UK holiday home insurance policy specific to your requirements.

 With 20 years of experience dealing with all aspects of insurance we can provide a comprehensive package at a competitive price.

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Landlords Rent Guarantee Insurance

March 2, 2012

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Non-payment of rent is a serious and unfortunately common issue for many landlords. However, help is at hand in the form of an insurance policy that can protect you from this sort of disaster.

What is Rent Guarantee Insurance?

If you are worried that your tenant may not pay the rent then landlords rent guarantee insurance is what you need, covering up to £2500 per calendar month on missed rent payments.

Landlords legal expenses insurance is part of this policy because you may well find yourself in dispute with the tenant in court. The rent guarantee insurance simply goes a step further to ensure you maintain your income during the dispute.

Whatever the risk and whatever your needs for let property insurance, CIA Insurance can cover all your landlords rent guarantee insurance needs at competitive rates, over six or 12 months.

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Household Insurance

February 10, 2012

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Household Insurance Cover

Being a home owner throws up numerous different and new challenges, many of which are costly. However, household insurance cover doesn’t need to be one of them if you get CIA Insurance on board.

Cheap Household Insurance

We have the flexibility to ensure that your household insurance policy reflects your needs, allowing you to choose from contents, buildings or a fully combined buildings and contents insurance policy.

Additional Cover Available

We can also provide additional cover such as Second Home Abroad cover, Sports and Home & Garden packages, Personal Accident, Family Legal Protection and Working from Home cover.

Don’t forget we also provide let property insurance for landlords.

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CIA – Overseas property insurance

January 12, 2012

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Property types insured…

…Overseas Property Insurance

Whilst of course there are numerous benefits to owning an overseas property, the risks are of course greater than your main residence. As such, it is essential that you have a good foreign property insurance policy that covers the needs and requirements of a holiday home.

CIA Overseas Holiday Home Insurance Cover

We can provide buildings insurance and contents insurance that is tailored specifically for European holiday homes and you can rest assured that in the event of a claim you will be dealing with knowledgeable staff in the UK.

Get a Foreign Property Insurance Quote

With 15 years of experience dealing with all aspects of insurance CIA Insurance will provide a comprehensive package at a competitive price.

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Landlords Legal Expenses Insurance with CIA Insurance

December 22, 2011

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Landlords Legal Expenses Insurance

Problems with non-payment of rent or disputes with tenants are unfortunately all too common for property owners. When things go wrong with tenants it often ends in court with the landlord footing a legal bill, which can result in lost profit and a great deal of lost time. This is where landlords legal expenses insurance steps in to assist.

CIA Landlords Legal Expenses Cover

Court expenses can be heavy but by taking out legal expenses cover for landlords, you are covered up to £10,000 in the event of a dispute with your tenant. This cover can be increased to up to £50,000 if required – talk to one of our specialist advisers to discuss your needs.

The landlords legal expenses cover is designed to work in tandem with landlords rent guarantee insurance, designed to help ease the worry and stress involved in renting your property.

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Are you interested in cheap landlords buildings insurance?

December 11, 2011

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There may not be too many landlords who would answer the above question relating to cheap landlords buildings insurance negatively!

It is a fact of life that there are some things that few people enjoy spending money on and insurance is typically one of them.

So, almost anything advertised as cheap landlords buildings insurance may succeed in grabbing our attention and get us comparing the advertised ticket price with what we are currently paying.

There may be nothing wrong with that and it may also be the case that it would be sensible to consider any such advertisements seriously, however, it may be necessary to avoid becoming too diverted into price considerations alone.

Landlords typically understand that their let property insurance may be all that stands between them and financial ruin in the event that they suffer some form of serious misfortune to their property.  Those misfortunes may come in many shapes and sizes and have their origins in widely differing situations.

Suitable landlords insurance will provide you with a degree of comfort that you have a wide range of cover for such circumstances – but that may be entirely independent of the price of the policy.

A classic example of this may be obtained by thinking about subsidence.

This is a problem, which may in some situations prove to be catastrophic and result in the need for either vastly expensive repair to your building or possibly its demolition and rebuilding.

Yet you may be surprised or even shocked to know that not all landlords buildings insurance necessarily includes subsidence protection, as standard, in its cover.

If you are concerned about the risks of subsidence then you may wish to ensure that this cover is included in your policy, irrespective of whether the policy is a little more expensive than another which does not include such cover.

There are two messages that may come out of this:

  • evaluating insurance based upon its price alone, may be an unwise course to follow and a focus on the cover provided may be far more appropriate;
  • whatever any advertisements may claim, what may prove to be cheap landlords buildings insurance for some landlords may not meet your requirements or prove to be cheap for you.
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CIA Insurance- Students Contents Insurance

November 12, 2011

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Student Contents Insurance

If you’re a student living in rented accommodation and you’re after students contents insurance then you’ve come to the right place.

CIA’s Contents Insurance for Students

Whether you live in halls of residence, private rented accommodation or a shared house, you should protect your precious possessions (including things like laptops, ipods, TV equipment) with a specific policy designed for students.

With cover for all your possessions up to £15,000 and the option to increase this if required, this is a comprehensive students contents insurance policy.

Policy benefits such as accidental damage, employers liability insurance and away from home protection are all available, while contents cover is on a new for old basis excluding clothing and fabrics.

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CIA Insurance- Tenant type- Asylum seeker tenants

November 2, 2011

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Asylum Seeker Tenants

As a landlord you may be offered asylum seekers, who will occupy the property whilst awaiting permanent settlement arrangements.

It can be more difficult to find cost-effective landlords insurance cover if you have asylum seekers in your property and this is where CIA Insurance can help.

We specialise in insurance for asylum seeker tenants and with a panel of leading insurers behind us we can offer great rates covering all the basics such as landlords buildings insurance,landlords contents insurance and public liability risks.

We can also offer standard accidental damage cover and insurance for houses in multiple occupation (HMO).

We have lower excesses than many other insurers, so give us a try.

We hope you found this information useful. Please remember to use CIA Insurance when you or your family and friends need motorcycle insurance, landlords insurance or commercial insurance.

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CIA- Tenant types- DSS tenants

November 2, 2011

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Landlords Insurance for DSS Tenants

There is a wealth of properties available to rent these days, so landlords may be required to be more flexible as to who they let their property to.

As a landlord you may be offered Department of Social Services tenants, a type of tenant that doesn’t enjoy the greatest of reputations. In fact, many landlords refuse to house DSS tenants because of the increased complexities involved in receiving payments and because, due to a minority of tenants, they can be considered to be ‘difficult’ tenants.

However, an important point to remember is that landlords insurance for DSS tenants is available, which can cover (in amongst many other things) late or missed payments.

CIA DSS Tenants Insurance Cover

Given the potential problems that DSS tenants can pose for landlords and the fact that they are considered to be higher risk because they tend to spend more time at the property, it can be more difficult to obtain a let property insurance quote. This is where we can help.

CIA Insurance specialises in insurance for DSS tenants and with a panel of leading insurers behind us we can offer low excesses and great rates covering all of the basics such as landlords buildings insurancelandlords contents insurancerent guarantee and public liability risks.

We can also offer full accidental damage cover and insurance for houses in multiple occupation (HMO).

 

 

We hope you found this information useful. Please remember to use CIA Insurance when you or your family and friends need motorcycle insurance, landlords insurance or commercial insurance.

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