Tradesman Insurance Explained

Whether you are a seasoned tradesman or just breaking into the business, insurance is one of the first things that you need to take care of to ensure that your business is protected at the appropriate level. By taking out tradesman insurance, you can protect the various aspects of your business, including your ongoing work, equipment, as well as compensation costs that may follow a legal claim against you.What is Tradesman Insurance?Tradesman insurance it is available for builders and any other types of tradesman, and it can pay to repair or redo the work that in progress is its managed by an event such as flood, fire, or vandalism. You need to know from the start that different kinds of businesses require different kinds of insurance. Many insurers offer to combine various policies that you may need into a package, which they may advertise as tradesman insurance. Depending on your...
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Landlord legal expenses explained

Every good landlord worth his or her salt will have considered the benefits of legal cover or insurance before letting their property to tenants or placing it in the hands of an agent. While nobody wants to think about the possibility of lengthy disputes, rising legal costs, and the threat of repossession, it is important for landlords to protect their property – and their own financial responsibilities – in case the worst happens. No matter how amicable things may seem in the beginning, it is vital that landlords protect their assets and rights with legal expenses cover. What does this involve? Landlord legal expenses: The FAQ Although it is not exhaustive, the following FAQ should help landlords to decide whether legal expenses cover is for them whilst providing some insight into what this kind of insurance offers. While grievances with tenants can be a nightmare, landlords also need to think...
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Using contractors to carry out works on behalf of landlords

In recent years, the UK property sector has undergone massive changes due to the massive increase in popularity of “buy to let.” Not only have many more people bought properties to rent out, but also a whole section of the economy based around various contracted-out tasks has seen the benefit. For landlords, there can be many positive reasons to use various contractors to do work on their behalf, but there are also some common pitfalls that must be avoided. Multiple properties For those with only one or even two properties, a “hands-on” approach can be a practical way to get things done. However, some people will not have the time to do everything necessary, and if you are lucky enough to have a growing portfolio of properties, then there comes a point when it is simply unrealistic to think you can manage everything on your own. What do contractors do?...
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The Importance of Property Portfolio Insurance

Investing in property often involves years of hard work and canny decisions to build up a diverse and successful portfolio. Something so precious should not be left unprotected and vulnerable to loss or damage by the whims of fate. Property portfolio insurance offers a straightforward means of protecting ones assets against risk and loss and helps to provide peace of mind concerning ones future financial security. What is Property Portfolio Insurance? Property Portfolio Insurance is sometimes also known as Landlords Insurance and like any typical insurance, its primary purpose is to protect your hard earned assets from potential risks. The key benefit of this insurance is that multiple properties across an entire portfolio can be consolidated into one policy, making the organisational logistics more straightforward and simpler to manage. Different policies cover differing circumstances and there are certain criteria that must be met to qualify, depending on the chosen insurer. With...
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Six things you should know if you buy a property in a flood zone

      Flooding is an increasing threat for both residential and commercial property owners across the UK.  With a growing number of properties prone to any combination of river, sea and surface water flooding it’s important to be armed with as much knowledge as possible before you purchase a property in a flood zone. Flood Excess Insurance has provided the answers to six common questions:   How do I find out if my property is in a flood zone?   There are a number of different resources which provide you with information about the flood risk for a property. Firstly you can visit the Know Your Flood Risk website here where you can obtain a report created using trusted data from reliable resources which will tell you about historic flood events, the risk of river and sea flooding and ESI Groundwater stats. The Environment Agency also has an excellent resource...
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1st October is D-Day for Letting Agents

So at last the Government has agreed that every letting agent in England and Wales must join an authorised consumer redress scheme to ensure tenants and leaseholders have a straightforward option to hold their agents to account.  The law comes into effect from 1st October 2014. Any agent that fails to join one of the three approved redress schemes, The Property Ombudsmen, Ombudsmen Services or The Property Redress Scheme, will face a fine of up to £5,000 from their local authority and could ultimately be closed down if they continue to breach their legal requirement to join such a scheme. After joining, the agent must comply with the schemes Ombudsman decision as failure to do so may result in the agent being removed from that scheme. This may then result in the agent being unable to join another Government authorised consumer redress scheme. By joining one of the schemes, the property professional confirms they will...
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Households in Neighbourhood Watch Areas More Desirable to Buyers

New research* reveals that 27% of the nation, would ‘prefer to buy a property signed up to a Neighbourhood Watch scheme, or Home Watch network’. This trend is most prevalent among those living in the South West, where over a third, 34%, agree they’d prefer a property that was part of the movement.
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New report finds that students make the best tenants

As a landlord or letting agent, there are many factors to consider when renting a property, including finding your ideal tenants. On first glance students may not be your first choice, but new findings by utilities and service provider for students, Glide, and Accommodation for Students, found that students are in fact the most desirable tenants.
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Tips for Ensuring Your Property Investment Is Profitable

Investing in property can be one of the trickiest of investments to get right. It can also be one of the most rewarding and profitable if you know what you are doing. Buying houses, renovating them and then renting them out to tenants can be a lengthy and stressful project, but it is important that care and effort is put into each stage of this process.
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The Importance of Maintaining an Empty Property

  Home maintenance is one of those things which most people carry out as-and-when needed. It might happen gradually on a day-to-day basis, or you might suddenly find that you have a couple of weeks to dedicate to a single project. However you choose to maintain your home, it’s certainly much easier to do so when you’re occupying the property and can do so at your leisure. But when you’re not actually in situ at the property in question, maintenance becomes that much harder. Adhering to Regulations        Even though an occupied home won’t suffer the same wear and tear as one with inhabitants, it will still need maintaining on a regular basis. In fact, there are certain rules and regulations pertaining to the maintenance of unoccupied homes that homeowners will need to follow, or risk prosecution. Carrying out such maintenance can be difficult – especially if you live...
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What is Landlord Insurance For?

It’s compulsory in many places for landlords to hold landlord insurance (also sometimes referred to as buy-to-let insurance), which is a specific type of cover for those who are renting out their property. It’s something that can prove to be very important indeed, with many people spending a good deal of time researching it to make sure that they have a helping hand should the worst happen. Here’s what it’s all about: Buildings Cover The main thing that this type of insurance covers, is the building and structure itself. There are many potential hazards that could leave a landlord very much out of pocket, ranging from fire risks, to subsidence to extremely rare occurrences such as terrorism. These are all things that can be insured against with one of these policies. Fire in particular is something that all homeowners must be aware of as it can be prevented, but then...
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Good news - inflation falls for the third month

There was some good news this week from the Office of National Statistics (ONS); CPI (Consumer Price Index) inflation, or to put it another way the price of a lot of the things we buy, has fallen for the third month in a row.
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Under-35s flocking to rental market

There is huge potential for landlords looking to target the under-35s, as an increasing number of young professionals are choosing to rent property rather than buy.
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The growth of generation rent

Anyone who likes to keep up to date with developments in the private rental sector (PRS) will no doubt be familiar with the phrase generation rent. This term has become commonplace in the industry in recent times and essentially refers to the growing number of young people who are living in rented accommodation rather than buying their own home.
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CAPITAL CITIES - THE NEXT BIG THING IN OVERSEAS PROPERTY

Capital cities are the rising stars of luxury residential real estate, offering promising investment prospects for those investing in overseas property in 2014”, predicts Laura Henderson, editor of essential guide to luxury resort property, Abode2.com.
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Boris launches London Rental Standard and tells landlords to sign up

London Mayor Boris Johnson has published the final version of his London Rental Standard, which will mean a huge push of all landlords and agents towards voluntary accreditation.
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Tips when comparing life insurance options

  Comparing life insurance providers is not any easy task. Whilst most consumers will often only look at the costs of products or services before making their purchasing decision, life cover requires a few factors to be considered before an educated decision can be made on which provider and policy to go for. Here’s what you need to think about: Benefits For example, will your provider include added benefits such as paying out early? Reputation of provider Ordinarily, the reputation of the company providing a service or product is paramount. This is even more so with life cover; the reputation of a provider provides peace of mind (and a proven track record) that dependents will be adequately provided for without any obstacles. Underwriting criteria It’s important to consider the criteria for which providers will evaluate claims. Will a simple doctors’ note suffice or is a full medical needed? If it’s...
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50 tips for renters

We found this on the Martin Lewis Money Saving Expert site and thought it was very useful for Landlords to read also.  Renting rights - you dont need your landlords permission to save money The number of people renting is rising, as are rents in this fiercely competitive market. Dont feel flat (sorry). Our new 50 Renting Tips helps, heres a starter: 1. Renters have a right to switch and save on energy (even prepaid). If you pay the gas & electricity bill directly (not via landlord), you can and should compare and switch. Dont stick with the previous tenants supplier as often its costly. Always do a meter reading as soon as you move in. Speedily find your cheapest tariff: The MSE Cheap Energy Club checks youre on the cheapest, and if not, compares across the market to find it (check the top picks tab for fixed deals which...
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Preparing a home for rental

In the years following the financial crisis that struck the UK property market in 2007 and 2008, it has become more difficult for people looking to move up the ladder to find a buyer for their own home.
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Is It Spring Time For Property Investors?

It is worth bearing in mind that despite the property market being in the doldrums for the last five years, property as with all other markets, goes in cycles.
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