Hello. i know many of you are landlords in here. Can you recommend me
a cheap insurance company for buildings insurance only £100k.

I have been looking on the internet and prices vary greatly. Cheapes so
far is £194. thanks in advance for any help guys.

wrote:
Hello. i know many of you are landlords in here. Can you recommend me
a cheap insurance company for buildings insurance only £100k.

No. Telephone a broker, and get them to give the best quote, giving
them the circumstances of your property. Let them do the work. You
might even get discount.

ok thanks chris. i will get a few brokers together and see what they
come up with.

wrote:
ok thanks chris. i will get a few brokers together and see what they
come up with.

That's what the ubggres are for....

Chris Bacon wrote:
wrote:
ok thanks chris. i will get a few brokers together and see what they
come up with.

That's what the ubggres are for....


OP. try the RLA website www.rla.org.uk . You might want to include
owners/landlord liability in your quote. . there is also the
landlordzone.co.uk with various inspecialist companies advertised even
the Norwich Union does LandLords insurance. Zurich are also offering a
direct quote service
http://www.zurich.co.uk/BusinessInsu...escription.htm.

i tried rentguard. they did have a special deal 10% discount if i join
the RLA but that is £75 and i would only save £56 so not really
worthwhile. Just as a coincidence i did get a quote of £170 from
Ocaso Let.

Here are the details
https://www.cetapremium.com/quote/52...l_keyfacts.pdf

I see they are very strict with regards to unoccupancy which is only 72
hours and water is then excluded, damn them.

wrote in message
oups.com...
Hello. i know many of you are landlords in here. Can you recommend me
a cheap insurance company for buildings insurance only £100k.

I have been looking on the internet and prices vary greatly. Cheapes so
far is £194. thanks in advance for any help guys.

As a side issue on this. I have two propeties I have rented out for 4 years
now and their insurances are coming up for renewal. Whemn looking round
previously I have been asked for the rebuild value and have just given the
figures on my renewal from my present insureres. How can I get an up to
date figure? have asked at Estate agents but they would only be able to
give a market value, which is obviously not the same.

TIA

John

John wrote:
As a side issue on this. I have two propeties I have rented out for 4 years
now and their insurances are coming up for renewal.

Why rent two properties, you can't live in two places at
once! I suppose you might have had a job in Town, and
needed to rent another place too....

As a side issue on this. I have two propeties I have rented out for 4
years
now and their insurances are coming up for renewal.

Why rent two properties, you can't live in two places at
once! I suppose you might have had a job in Town, and
needed to rent another place too....

I think he means he is the owner renting to others, not the tenant renting
from a landlord.

Christian.

"Chris Bacon" wrote in message
...
John wrote:
As a side issue on this. I have two propeties I have rented out for 4
years now and their insurances are coming up for renewal.

Why rent two properties, you can't live in two places at
once! I suppose you might have had a job in Town, and
needed to rent another place too....

Why don't you F**k O** and annoy some other group. You NEVER provide a
sensible answer to anything you reply to. If I was renting the properties
for me to live in WHY would I want to renew the Buildings insurance when it
isn't my building!

Cheers

John

Christian McArdle wrote:
As a side issue on this. I have two propeties I have rented out for 4
years
now and their insurances are coming up for renewal.

Why rent two properties, you can't live in two places at
once! I suppose you might have had a job in Town, and
needed to rent another place too....


I think he means he is the owner renting to others, not the tenant renting
from a landlord.

That's letting.

Christian McArdle wrote:

despite the etymology that originally suggested that each word had
the perspective of one party to the transaction.

So this's why we still have "letting agents" and why documentation
still refers to "let", we still see "To Let" signs, and so on.

Actually, the last house I rented had a "rental agreement", not a letting
one!

What you can't disagree with, though, is that "renting out", as used by the
OP, unambiguously means "let" in the correct original meaning.

I think he can dissgre with everything he doesnt understand. English
usage changes.

NT

Owain wrote:
Chris Bacon wrote:
So this's why we still have "letting agents" and why documentation
still refers to "let", we still see "To Let" signs, and so on.

But "To Rent" signs have the advantage that graffitors can't insert an i.

Oooh I know... How often I have wanted to have a little pot of
black paint and a small brush...

On Tue, 06 Jun 2006 12:56:28 +0100, John wrote:

wrote in message
oups.com...
Hello. i know many of you are landlords in here. Can you recommend me
a cheap insurance company for buildings insurance only £100k.

I have been looking on the internet and prices vary greatly. Cheapes so
far is £194. thanks in advance for any help guys.

As a side issue on this. I have two propeties I have rented out for 4 years
now and their insurances are coming up for renewal. Whemn looking round
previously I have been asked for the rebuild value and have just given the
figures on my renewal from my present insureres. How can I get an up to
date figure? have asked at Estate agents but they would only be able to
give a market value, which is obviously not the same.

There are web sites around which will purport to calculate this for you
based on age of property (affects what work need to be done to rebuild)
size (obviously) location (obviously) and type of dwelling.

In general I think you'll find that the automatic increments by insurers
will tend to over estimate the rebuild value if left unchallenged for a
number of years. When corrected, IME, they'll try to frighten you with
"You may be under insured and this will affect all claims."

Personally I was delighted when I became eligible for a quote from Saga.
Letting part of building - no problem.
Don't bother with the rebuild costs unless its more than 400k!
£2500 excess gives a 50% discount (I'm not going to make any small
claim which I could probably fix faster than a claim form could be
obtained, filled in, returned, approved and the money sent back) .


--
Ed Sirett - Property maintainer and registered gas fitter.
The FAQ for uk.diy is at http://www.diyfaq.org.uk
Gas fitting FAQ http://www.makewrite.demon.co.uk/GasFitting.html
Sealed CH FAQ http://www.makewrite.demon.co.uk/SealedCH.html
Choosing a Boiler FAQ http://www.makewrite.demon.co.uk/BoilerChoice.html
Gas Fitting Standards Docs he http://www.makewrite.demon.co.uk/GasFittingStandards

Personally I was delighted when I became eligible for a quote from Saga.
Don't bother with the rebuild costs unless its more than 400k!

Yes, I like the new style policy that doesn't really bother with rebuild
value.

My buildings insurance is with Barclays. The quote was considerably less
than Direct Line. The "rebuild value" is a standard 500,000 pounds, which is
at least 4 times what it needs to be. The premium is based on a set of
questions about the number of bedrooms, construction type, age, etc. This
way it is impossible to be underinsured or pay over the odds on the premium
in order to be sure.

Christian.