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  1. <?xml version='1.0' encoding='UTF-8'?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:openSearch="http://a9.com/-/spec/opensearchrss/1.0/" xmlns:blogger="http://schemas.google.com/blogger/2008" xmlns:georss="http://www.georss.org/georss" xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr="http://purl.org/syndication/thread/1.0" version="2.0"><channel><atom:id>tag:blogger.com,1999:blog-8260876351404213699</atom:id><lastBuildDate>Wed, 21 Feb 2024 17:22:18 +0000</lastBuildDate><category>Buy To Let</category><category>Property Insurance</category><category>Tenants Liability Insurance</category><title>Agent Assure</title><description></description><link>http://agentassure.blogspot.com/</link><managingEditor>noreply@blogger.com (Agent Assure)</managingEditor><generator>Blogger</generator><openSearch:totalResults>3</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><item><guid isPermaLink="false">tag:blogger.com,1999:blog-8260876351404213699.post-5987849857436134008</guid><pubDate>Mon, 21 Sep 2015 12:44:00 +0000</pubDate><atom:updated>2015-09-21T08:18:30.622-07:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Tenants Liability Insurance</category><title>How Important Is Insurance?</title><description>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  2. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS31MwK-MGifxBZYghEytQdPsw7EIQtkZyoL7YkjR-vcyUtRfS-qv5uIkfuRc_iUiksz-gi0WUrqliICVG1kcWaQ8S8-TapkjTmzc7uglxhj0oWwzD4XN7k9YPJ1W-Tih4V15oNsxwH4kE/s1600/tenants-liability.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;400&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS31MwK-MGifxBZYghEytQdPsw7EIQtkZyoL7YkjR-vcyUtRfS-qv5uIkfuRc_iUiksz-gi0WUrqliICVG1kcWaQ8S8-TapkjTmzc7uglxhj0oWwzD4XN7k9YPJ1W-Tih4V15oNsxwH4kE/s400/tenants-liability.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
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  8. &lt;br /&gt;&lt;/div&gt;
  9. &lt;b&gt;Suzanne Whittingham, Head of Operations for Agent Assure, takes a look at Tenant&#39;s Liability Insurance and asks: Is there a benefit?&lt;/b&gt;&lt;br /&gt;
  10. &lt;b&gt;&lt;br /&gt;&lt;/b&gt;
  11. For some time, Tenant&#39;s Liability Insurance has been a misunderstood product, and there have been differing views on the effectiveness of this type of insurance amidst other more recognisable insurance products such as landlords&#39; buildings insurance or tenant&#39;s contents insurance.&lt;br /&gt;
  12. &lt;br /&gt;
  13. Agent Assure is starting to see an increase in letting agents choosing to include Tenant&#39;s Liability Insurance as part of their tenancy agreements and we have been exploring the reasons why with some of our partners.&lt;br /&gt;
  14. &lt;br /&gt;
  15. &lt;b&gt;Some of our Letting Agents feel that it benefits them as a business if Tenant&#39;s Liability Insurance is purchased by all of their tenants.&lt;/b&gt;&lt;br /&gt;
  16. &lt;br /&gt;
  17. &lt;ul&gt;
  18. &lt;li&gt;Many of our agents have reported that they often experience disputes at the end of tenancy over damage that has been caused, and whether that damage was caused by the tenant or the damage was existing.&lt;/li&gt;
  19. &lt;li&gt;Having insurance in place can help to reduce the likelihood of disputes between tenants and landlords regarding damage to the property as tenants can make a claim through insurance rather than battling over losing part or all of their deposit.&amp;nbsp;&lt;/li&gt;
  20. &lt;li&gt;Some feedback from our agents is that having Tenant&#39;s Liability Insurance in place helps to instil confidence in their landlords that the property will be protected should damage occur.&lt;/li&gt;
  21. &lt;li&gt;Some agents also felt that it helped the relationship with their tenants.&lt;/li&gt;
  22. &lt;li&gt;Overall our letting agents who incorporate Tenant&#39;s Liability Insurance into their tenancy agreements feel they are helping to reduce the risks to landlords and tenants should damage be caused.&lt;/li&gt;
  23. &lt;/ul&gt;
  24. &lt;div&gt;
  25. &lt;b&gt;There are also benefits that directly impact the landlord if Tenant&#39;s Liability Insurance is in place.&lt;/b&gt;&lt;/div&gt;
  26. &lt;div&gt;
  27. &lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/div&gt;
  28. &lt;div&gt;
  29. &lt;ul&gt;
  30. &lt;li&gt;The landlord benefits from their property being returned into at minimum the original state, or better if furniture or other items have been replaced.&lt;/li&gt;
  31. &lt;li&gt;When disputes are referred to the Property Ombudsman landlords are often awarded a contribution to replace the affected areas, for instance a section of carpet, whereas with Tenant&#39;s Liability Insurance, this will often cover the full replacement.&lt;/li&gt;
  32. &lt;li&gt;The likelihood of void periods is reduced as insurance claims are dealt with quickly and often during tenancy, meaning the property would be ready to re-let quickly.&lt;/li&gt;
  33. &lt;li&gt;Landlords will view tenants with a liability insurance in place as favourable tenants as their property is further protected.&lt;/li&gt;
  34. &lt;li&gt;Standard liability clauses in tenancy agreements can often be between £2,500 and £5,000 and it can be difficult to pursue dilapidations for up to these limits as deposits rarely cover the full amount. However Tenant&#39;s Liability Insurance will often cover these amounts, specifically ensuring the landlord isn&#39;t left out of pocket.&lt;/li&gt;
  35. &lt;/ul&gt;
  36. &lt;div&gt;
  37. &lt;b&gt;In addition, tenants benefit from this type of insurance being enforced as many are unaware that their deposit, or potentially more is at risk should damage be caused to the property.&lt;/b&gt;&lt;/div&gt;
  38. &lt;/div&gt;
  39. &lt;div&gt;
  40. &lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/div&gt;
  41. &lt;div&gt;
  42. &lt;ul&gt;
  43. &lt;li&gt;The tenant can help protect their deposit by using their insurance policy to get dilapidations fixed.&lt;/li&gt;
  44. &lt;li&gt;It also helps to reduce the risk of negative references from their landlord/letting agent if they go on to rent another property.&lt;/li&gt;
  45. &lt;li&gt;The tenant could be responsible for the cost of repairs for damage that are more, than the deposit value, that they are still liable for under their tenancy agreement, which could leave them out of pocket or unable to afford the damage cost, if they do not have sufficient insurance in place to cover them.&lt;/li&gt;
  46. &lt;/ul&gt;
  47. &lt;div&gt;
  48. The popularity of this type of insurance is certainly on the increase with our letting agents, and it may be something worth considering for your own business in the future.&lt;/div&gt;
  49. &lt;/div&gt;
  50. </description><link>http://agentassure.blogspot.com/2015/09/how-important-is-insurance.html</link><author>noreply@blogger.com (Agent Assure)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjS31MwK-MGifxBZYghEytQdPsw7EIQtkZyoL7YkjR-vcyUtRfS-qv5uIkfuRc_iUiksz-gi0WUrqliICVG1kcWaQ8S8-TapkjTmzc7uglxhj0oWwzD4XN7k9YPJ1W-Tih4V15oNsxwH4kE/s72-c/tenants-liability.jpg" height="72" width="72"/><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-8260876351404213699.post-6611358175324284770</guid><pubDate>Mon, 21 Sep 2015 09:57:00 +0000</pubDate><atom:updated>2015-09-21T10:19:16.989-07:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Buy To Let</category><title>Buy to Let update</title><description>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  51. &lt;/div&gt;
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  57. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZn82_qiZMRQ6UWWqhN1FzD5dCIxf9q8GpI2zeRoAlZ46m211JzzArTDaksX8-mWRYp5o4FlnXxIrbu9OTzJ6qT8a8XWj_gECe94Tll3L_ZD8hyU1my1fPDY6pc30K5iVjHiLM2Ew_yClz/s1600/estate-agent.jpg&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;376&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZn82_qiZMRQ6UWWqhN1FzD5dCIxf9q8GpI2zeRoAlZ46m211JzzArTDaksX8-mWRYp5o4FlnXxIrbu9OTzJ6qT8a8XWj_gECe94Tll3L_ZD8hyU1my1fPDY6pc30K5iVjHiLM2Ew_yClz/s400/estate-agent.jpg&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
  58. &lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  59. &lt;br /&gt;&lt;/div&gt;
  60. &lt;h4&gt;
  61. &lt;span style=&quot;font-weight: normal;&quot;&gt;
  62. Andy Young, Chief Executive, ARLA Mortgages, provides a market snapshot&lt;/span&gt;&lt;/h4&gt;
  63. &lt;br /&gt;
  64. The majority of Buy to Let finance in the UK is still provided by two dominant lenders, BM Solutions and The Mortgage Works. However, there are now many more lenders in the market offering attractive products to meet all types of landlord needs, with some specialising in niche areas such as HMO properties or lending to limited companies. During 2013, ARLA Mortgages placed Buy to Let mortgage business with 26 different lenders.&lt;br /&gt;
  65. &lt;br /&gt;
  66. The most noticeable change in the lending landscape has been the entrance of regional building societies with a new appetite for Buy to Let. ARLA Mortgages has been working with a number of regional lenders to design and distribute highly competitive Buy to Let products, including Hinckley &amp;amp; Rugby BS, Melton Mowbray BS, Hanley Economic BS, Saffron BS and Skipton BS. These lenders may have a fixed tranche of funds and choose to distribute products through Buy to Let specialists such as ARLA Mortgages.&lt;br /&gt;
  67. &lt;br /&gt;
  68. There are a number of reasons for this new level of interest in Buy to Let from building societies. The first is the government&#39;s Funding for Lending scheme which has increased their capacity for residential lending. This in turn increases the potential for Buy to Let lending as a proportion of their overall lending book.&lt;br /&gt;
  69. &lt;br /&gt;
  70. Secondly, since the UK has started to recover from the recession, the Buy to Let sector has shown itself to be highly resilient in tough conditions and a good proposition from a risk perspective. Finally, low interest rates have meant that building societies are able to offer keenly priced products for landlords and still achieve an acceptable margin.&lt;br /&gt;
  71. &lt;br /&gt;
  72. Although individually each building society may have a relatively small capacity for lending, collectively the amount is quite significant and we have seen a high level of interest in these products.&lt;br /&gt;
  73. &lt;br /&gt;
  74. There are some key differences to working with smaller regional lenders. On the one hand many of them still have a paper-based underwriting process without an online Decision In Principle (DIP), which can slow down the initial application process. On the other hand, manual underwriting means that each case is considered on its own merits, without a rigid adherence to box-ticking and &#39;computer says no&#39; syndrome.&lt;br /&gt;
  75. &lt;br /&gt;
  76. &lt;h4&gt;
  77. &lt;span style=&quot;font-weight: normal;&quot;&gt;ARLA Mortgages&lt;/span&gt;&lt;/h4&gt;
  78. &lt;br /&gt;
  79. ARLA Mortgages provides a free online mortgage finder which is updated daily with the latest deals from the whole market. This enables your landlord clients to search for products to suit individual requirements.&lt;br /&gt;
  80. &lt;br /&gt;
  81. You will also earn commission for each mortgage that your clients complete using the ARLA Mortgage service, which you can set-up as a simple link on your website. There is no requirement for you to have any knowledge or experience of Buy to Let mortgages in order to offer the ARLA Mortgages online service and it is a great way for you to earn extra income at no extra cost.&lt;br /&gt;
  82. &lt;br /&gt;
  83. To find out more, please contact the Mortgage Services team on 029 2069 5449 or email info@nfoppmortgages.co.uk</description><link>http://agentassure.blogspot.com/2015/09/buy-to-let-update.html</link><author>noreply@blogger.com (Agent Assure)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgZn82_qiZMRQ6UWWqhN1FzD5dCIxf9q8GpI2zeRoAlZ46m211JzzArTDaksX8-mWRYp5o4FlnXxIrbu9OTzJ6qT8a8XWj_gECe94Tll3L_ZD8hyU1my1fPDY6pc30K5iVjHiLM2Ew_yClz/s72-c/estate-agent.jpg" height="72" width="72"/><thr:total>0</thr:total></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-8260876351404213699.post-7060444870304606820</guid><pubDate>Tue, 08 Sep 2015 14:41:00 +0000</pubDate><atom:updated>2015-09-21T08:34:48.711-07:00</atom:updated><category domain="http://www.blogger.com/atom/ns#">Property Insurance</category><title>Insurance review: what&#39;s on offer and why consider it?</title><description>&lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  84. &lt;/div&gt;
  85. &lt;div class=&quot;separator&quot; style=&quot;clear: both; text-align: center;&quot;&gt;
  86. &lt;a href=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3-ewDzgtBByhkup5bxYy6kcnFWVxzqoaEXf_fRfzK7HoFDaxh6ZUfh4Mq754Byn4_uwiaoG8bIr0cBcQTblhbHBidufj7BJzCnS8AgaQYLbeeDERK5Rn3nViEFjpTikyBQIDCuqi5pQPQ/s1600/1+p22-23-2.png&quot; imageanchor=&quot;1&quot; style=&quot;margin-left: 1em; margin-right: 1em;&quot;&gt;&lt;img border=&quot;0&quot; height=&quot;380&quot; src=&quot;https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3-ewDzgtBByhkup5bxYy6kcnFWVxzqoaEXf_fRfzK7HoFDaxh6ZUfh4Mq754Byn4_uwiaoG8bIr0cBcQTblhbHBidufj7BJzCnS8AgaQYLbeeDERK5Rn3nViEFjpTikyBQIDCuqi5pQPQ/s400/1+p22-23-2.png&quot; width=&quot;400&quot; /&gt;&lt;/a&gt;&lt;/div&gt;
  87. &lt;br /&gt;
  88. &lt;div style=&quot;text-align: center;&quot;&gt;
  89. &lt;div style=&quot;text-align: left;&quot;&gt;
  90. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;b&gt;No matter how you feel about insurance, being up-to-date about what kinds of insurance product are out there, and what liabilities they may help you remove or minimise, makes good business sense.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
  91. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;b&gt;&lt;br /&gt;&lt;/b&gt;&lt;/span&gt;
  92. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;b&gt;Natasha Hart of Agent Assure casts an eye over the property insurance landscape, drawing out some real-life business scenarios to help in the business risk assessment.&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
  93. &lt;br /&gt;
  94. &lt;h4&gt;
  95. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Scenario 1&lt;/span&gt;&lt;/h4&gt;
  96. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;An employee sent an email containing confidential customer information, by accident, to the wrong person. The customer sued the firm for breach of confidentiality. The firm&#39;s profes­sional indemnity policy was invoked to cover the firm for the £3 5 ,000 bill it had to suddenly foot. Had there been no professional indemnity policy in place, the firm itself would have had to bear that cost.&lt;/span&gt;&lt;br /&gt;
  97. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  98. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;b&gt;The range in cover available these days is vast and includes:&lt;/b&gt;&lt;/span&gt;&lt;br /&gt;
  99. &lt;div&gt;
  100. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  101. &lt;div&gt;
  102. &lt;ul&gt;
  103. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;matters referred to The Property Ombudsman;&lt;/span&gt;&lt;/li&gt;
  104. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;employee dishonesty cover;&lt;/span&gt;&lt;/li&gt;
  105. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;negligence, errors and omissions: where you have failed in your duty of care to a client, perhaps giving incorrect advice or making a mistake in your work; this includes these days making marketing misstatements or omitting key information when selling property;&lt;/span&gt;&lt;/li&gt;
  106. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;breach of professional duty and confi­dentiality;&lt;/span&gt;&lt;/li&gt;
  107. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;accidental breach of copyright, patent, trade mark or design rights;&lt;/span&gt;&lt;/li&gt;
  108. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;legal defence costs and expenses for proceedings brought against you under property misdescriptions laws, the Estate Agents Act 1979, the Money Laundering Regulations 2003 and the Housing Act 2004, among other statutes;&lt;/span&gt;&lt;/li&gt;
  109. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;consequential loss following damage to business records, for instance client documents that are lost, stolen or damaged in your care, including data;&lt;/span&gt;&lt;/li&gt;
  110. &lt;li&gt;&lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;fines associated with breaches of the Data Protection Act 1 998.&lt;/span&gt;&lt;/li&gt;
  111. &lt;/ul&gt;
  112. &lt;div&gt;
  113. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;A few of those types of cover bear closer scrutiny.&lt;/span&gt;&lt;br /&gt;
  114. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;&lt;/div&gt;
  115. &lt;div&gt;
  116. &lt;h4&gt;
  117. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Matters referred to The Property Ombudsman&lt;/span&gt;&lt;/h4&gt;
  118. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;More cases are being brought to The Property Ombudsman for resolution (the number of lettings cases referred for formal review rising to 391 a year in 2013. from 279 in 2012 according to latest figures). Professional Indemnity Insurance should cover any cost the Ombudsman awards to the complainant.&lt;/span&gt;&lt;/div&gt;
  119. &lt;/div&gt;
  120. &lt;div&gt;
  121. &lt;div&gt;
  122. &lt;br /&gt;
  123. &lt;h4&gt;
  124. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Employee dishonesty cover&lt;/span&gt;&lt;/h4&gt;
  125. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;Fidelity claims can be among the most costly in the property industry.&lt;/span&gt;&lt;/div&gt;
  126. &lt;div&gt;
  127. &lt;br /&gt;
  128. &lt;h4&gt;
  129. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Scenario 2&amp;nbsp;&lt;/span&gt;&lt;/h4&gt;
  130. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;A partner in a letting agency conducted an audit, during which a significant shortage of funds was uncovered. Investigations revealed that behind this shortfall was a dishonest employee, the book keeper, who had been siphoning off funds during a period of some three years. The estimated loss totalled over £800,000 representing a combination of tenant, landlord and agency money.&lt;/span&gt;&lt;br /&gt;
  131. &lt;br /&gt;
  132. &lt;h4&gt;
  133. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Scenario 3&lt;/span&gt;&lt;/h4&gt;
  134. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;A woman walks into a letting agent, wearing smart clothes and looking like a professional businesswoman. She enquires about properties and suggests that her budget is quite high and declares her salary to be above £50,000. On face value, this could appear to be a suitable tenant.&lt;/span&gt;&lt;br /&gt;
  135. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  136. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;However, following a comprehensive referencing process, a different picture unfolds. One reference uncovers that the woman has received recent CCJs (county court judgments), and faces fines of over £8,000, which are outstanding. From her previous landlord we also discover that she did not keep up with rental payments; and her employer confirms that she is on a temporary contract that terminates in two months&#39; time.&lt;/span&gt;&lt;br /&gt;
  137. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  138. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;The fraudulent supply of references is sadly on the increase (according to the Office for National Statistics) and credit data information is not always that easy to interpret. Even with the most compre­hensive reference possible, tenants can still fall into hardship and become unable to make rental payments. Rent guarantee insurance can reimburse you and your landlord from the first day of unpaid rent to reduce financial loss. During this time potentially large eviction costs can be covered until vacant possession is gained or you reach the limit of cover. These policies tend to only be available through large referencing providers and there are around 1 5 to 20 products to choose from on the market.&lt;/span&gt;&lt;br /&gt;
  139. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  140. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;These policies do not cover empty houses (so cannot be used to plug any gaps in income received when a property evicted by the courts, which can take at least three months. During this time many landlords who rely on the rental income to pay their mortgage either miss payments or struggle to find the income elsewhere.&lt;/span&gt;&lt;br /&gt;
  141. &lt;br /&gt;
  142. &lt;h4&gt;
  143. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif; font-weight: normal;&quot;&gt;Scenario 4&amp;nbsp;&lt;/span&gt;&lt;/h4&gt;
  144. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;A man applies for a property. He is in full time employment, has a sufficient income-to-rent ratio, and has no previous financial issues or caused any concern for any previous landlord. He has successfully passed a comprehen­sive tenant reference process.&lt;/span&gt;&lt;br /&gt;
  145. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  146. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;Unfortunately a month into the tenancy the man learns that he is being made redundant and as he has only been employed with his company for less than 3 months, will be entitled to a minimum redundancy payment only. Two months later the man is no longer able to afford to keep up with his rental payments and stops paying. What follows is an eviction process with costly legal bills to try and recover lost rent.&lt;/span&gt;&lt;br /&gt;
  147. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;&lt;br /&gt;&lt;/span&gt;
  148. &lt;span style=&quot;font-family: Arial, Helvetica, sans-serif;&quot;&gt;Rent guarantee insurance can help with this kind of unpredictable turn of events too, potentially covering the costs of eviction, legal costs for recovery of rent and potentially also cover for any damage to the property.&lt;/span&gt;&lt;/div&gt;
  149. &lt;/div&gt;
  150. &lt;/div&gt;
  151. &lt;/div&gt;
  152. </description><link>http://agentassure.blogspot.com/2015/09/insurance-review-whats-on-offer-and-why.html</link><author>noreply@blogger.com (Agent Assure)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3-ewDzgtBByhkup5bxYy6kcnFWVxzqoaEXf_fRfzK7HoFDaxh6ZUfh4Mq754Byn4_uwiaoG8bIr0cBcQTblhbHBidufj7BJzCnS8AgaQYLbeeDERK5Rn3nViEFjpTikyBQIDCuqi5pQPQ/s72-c/1+p22-23-2.png" height="72" width="72"/><thr:total>0</thr:total></item></channel></rss>

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