iInsure365 are specialists in residential and commercial landlords building insurance and have negotiated a great value comprehensive cover with two of the UK's largest Insurers. You won't find us on comparable websites, so contact us direct for a competitive quote. We don't compromise on quality. Our building insurance offers all the cover a landlord would normally require: Our policy is exclusive to ourselves and has been targeted towards buy-to-let landlords, people who rent their property, investment landlords and property companies. It includes all the additional extras that usually cost you extra. Compare your cover today.
The dangers of underinsuring your buy to let property.
Underinsurance is a rising problem in the buy to let industry. This occurs when a landlord provides an inaccurate rebuild cost of their property for insurance purposes. Not only does this threaten to affect the settlement of any potential claims, but there is also contractual conditions under the lease that require full reinstatement of the building. "Property owners should carry out professional building valuations at least every three years. This guarantees an accurate rebuild cost and enables the insurer/loss adjuster to concentrate on settling any claims that may arise rather than having to investigate possible underinsurance issues and causing unnecessary delays." It is increasing likely that mortgage lenders will request a property is insured for a minimum amount. In severe underinsurance cases, failure to meet this contractual obligation could even lead to foreclosure on any loans secured against the property. iInsure365 can not advise on your rebuild cost. The best way to calculate this is to use a professional surveyor, however you can also use the association of British Insurers rebuild cost calculator. This can be found at http://abi.bcis.co.uk/ For a no obligation landlords insurance quotation on your freehold property, contact iinsure365 on 01273 827090 or apply online
Reduce the likelihood of a claim with these simple tips from Jamie Simpson at iInsure365
While our landlords insurance cover offers protection against unforeseen circumstances, there are certain precautions that should be taken by all landlords to reduce the risk of a property falling victim to the British winter. As we move into November, we'll be documenting steps each day you can take to prevent any unnecessary headaches. First in the series, the risk of burst pipes.
Just a small leak can cause no lack of cost and inconvenience. There are simple precautionary measures that can be taken to reduce the chance of a potential nightmare. It is essential that the thermostat is fully operational and that the boiling and heating system is checked regularly. Ensure that dripping taps are fixed and check dripping overflow pipes, which can indicate a problem in the system. Check hoses to any plumbed in appliances. Check the insulation on your water pipes and cold water tank - those in the attic or other vulnerable spaces should be lagged or similarly protected. Consider leaving loft hatches slightly open to allow warmer air to enter any loft space housing water pipes and leave internal doors open to allow warm air to circulate throughout the house. Disconnect any hoses and make sure any external taps are turned off. Ensure that the heating is kept permanently on during times of severe temperatures. Make sure you water supply is easily accessible and can be turned off when needed. Should your main heating system fail during the winter months, we recommend that electric convector or fan-assisted heaters with thermostatic cut-outs that operate in the event of over-heating are used as a temporary measure. Portable heaters should be sited well clear of combustible materials and, where possible, protected against the possibility of being knocked over or moved accidentally by the fitting of guards. Temporary heaters should not be left unattended for long periods or used when the building is unoccupied, and should never be moved when switched on. Electric radiant heaters and paraffin/oil fired heaters should never be used, even as a temporary measure. If you discover a frozen pipe, don't wait for it to burst. Turn off your water supply and then slowly thaw the affected pipe by introducing gentle heat to the area, such as with a hairdryer, space heater or hot water bottle. Do not attempt to thaw the pipe with a blow torch or other open flame. If a pipe does burst, turn off the water supply at the stopcock and try to catch any excess water in a bucket or other container. (Do not use any electrics if you believe these may have been affected by the escaping water). You'll need to have these checked by a professional electrician.
Tips provided by iInsure365. Don hesitate to call us for a quote! 01273 827090 or click here. Tweet us your thoughts @iinsure365 or Join us on Facebook!
Low-cost, high quality Landlords Buildings Insurance for residential and commercial properties. Because TPCM only deal with buy to let and multi buildings insurance we can offer very competitive premiums to landlords. We've compared our quotes with equivalent policies and found we are over 50% cheaper! You won’t find TPCM Insurance on comparison websites, so contact us direct for a competitive quote. We don't compromise on quality - our building insurance offers all the cover a landlord would
Landlord Insurance | Buy to Let property insurance | iInsure365
10% OFF DURING MAY!!
Whilst the rain seems to have abated, we seem to be far from summer time yet. Let iInsure365 brighten up your finances with our May madness 10% discount!
We are pleased to announce that for the month of May we will be offering a 10% discount for all new policies placed with us.
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