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Do landlords need public liability insurance?
A good policy should include liability insurance - it protects landlords from potentially expensive legal costs and damages should a tenant make a claim for personal injury or property damage arising from incidents connected with the rented property
Sean Davies, Gocompare.com -
Who's responsible for safety?
The landlord is responsible for the gas and electrical safety of appliances provided under the tenancy, as well as the fire safety of furniture and furnishings. It's absolutely vital that an inventory is carried out thoroughly at the start of the tenancy, to ensure ownership of such items is legally documented
Rachel England, journalist -
Who's responsible for repairs?
There is the expectation of reasonable wear and tear on a property, which includes things like paint fading over time, or carpets in high-traffic areas becoming worn. However, if you smash a window with a frisbee or explode a microwave with tin foil, that's your responsibility
Rachel England, journalist -
Who's responsible for repairs?
The landlord is responsible for repairs to the structure and exterior of the property, heating and hot water systems and the electrics of the property. Breakdowns and damage to these items must be addressed in a timely fashion
Rachel England, journalist -
Who's responsible for security?
Landlords have a legal obligation to ensure that the property is secure. If burglars enter a property through a shoddy window that has previously been pointed out to the landlord, for example, then there may be a case for negligence
Rachel England, journalist -
Garden theft a cause for concern
With the average garden insurance claim costing around £620, I would encourage keen gardeners to ensure they have the peace of mind of insurance
Roger Ramsden, chief executive of Saga Services
Why choose Gocompare.com's landlord insurance comparison service?
When you're letting, the tenants and the property itself will be your priority - we make searching for and buying the landlord insurance that suits your tenancy quick and easy. Gocompare.com has partnered with Simply Business* to help you find the right policy at the right price.
Get the answers to all your questions on insurance for landlords by reading our guides
Should you choose to try their simple-to-use comparison service, you will be offered the option of obtaining quotes for single or multiple properties before being asked to enter basic details about you and/or your business, the tenants, and the nature of the property you are seeking cover for.
Options to consider before seeing your quotes will include the required level of cover for areas such as contents insurance, accidental damage, public liability, property owner's liability, legal expenses, loss of rent, alternative accommodation and pursuit of rent arrears.
You can find out more about such subjects in our landlord insurance guides, where you'll also find the answers to frequently asked questions. Our guide to being a landlord is there, plus information on tenancy deposit protection schemes.
Did you know...?
- All tenant deposits must be put into a tenancy deposit protection scheme (TDP)
- Landlords are legally allowed to visually inspect their property with 24 hours notice to tenants
- Weather accounts for the largest percentage of home insurance claims in the UK
- Fire is a common cause of home claims. Have you tested your smoke alarm recently?
- A leaking pipe can spill out over 2,000 gallons of water a day if left unnoticed - that's enough to fill 40 bath tubs
