Understanding insurance for landlords

6When renting out a property you need to be aware that you will require specialist landlord insurance. General home insurance isn’t right for you as it doesn’t cover all third party risks that you may encounter by having tenants.

Right Estate Agents provide you with a quick look at the different options available to you.

Landlords specialist buildings Insurance
Your mortgage provider will require you to purchase specialist landlord buildings insurance for your rental property.

As standard buildings insurance generally covers your property against loss or damage caused by:

  • Fire or smoke
  • Theft, vandalism or civil commotion
  • Oil or water leakage and burst pipes
  • Lightning, storm or earthquake
  • Subsidence
  • Damage caused by vehicles, falling trees, animals, aircraft, aerials and masts

In the case of complete destruction of your property, buildings insurance also covers full replacement or repair costs as well as the cost of clearing the area.

As well as covering all of the above, a landlord’s building insurance policy differs from a standard home insurance policy when it comes to cover elements that relate to tenants living in the property such as:

  • If your tenants can’t stay at the property as a result of damage or a buildings claim. In this case specialist landlords insurance will provide temporary accommodation cover for your tenants and in some cases, provide an element of loss of rent cover to protect your rental income
  • If your tenants or their guests cause malicious damage to your property a specialist landlord policy would cover the damage caused
  • Probably the most important of them all, if you don’t have specialist landlord buildings insurance policy in place and need to make a claim, your insurance could be invalidated and declined

Landlords contents insurance
Landlords don’t normally need full contents cover for their rental property, unless the property is let fully furnished. However you may want to give yourself some protection for the things you do provide.

You can usually choose the level of cover that suits your rental property to protect your items against fire and theft. Landlord’s contents cover includes furniture, household utensils, kitchen electrical equipment and soft furnishings, including carpets and curtains – basically anything that could be removed from the property. You can often extend the cover to include accidental damage too, a popular addition for landlords.

Rent Guarantee insurance
Economic times have led to more and more landlords needing to protect their rental property investment and their income more than ever before. Even the best tenants can find their circumstances changing, resulting in them being unable to meet their rental commitments.

Having a rent guarantee policy in place can protect you from being out of pocket by helping you recover rent arrears. Legal cover is often provided as standard as well, giving you access to a panel of solicitors to provide help and advice on legal matters, not limited to letting a property.

If you would like some assistance to sell or let your property, please contact Right Estate Agents on 0845 026 8527 or visit our website.

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Who needs to know you’re moving

T5here’s so much to think about when you’re moving home.
We, at Right Estate Agents  have brought together a list of people you must inform of your new address to ensure you have alerted everyone who needs to know!

1. Utilities

You can take your old provider with you when you move, or you can use this as an opportunity to change suppliers and reduce your bills. Whatever you decide to do, contact your supplier at least 48 hours before your move.

2. Water Suppliers

You need to find out who supplies water and sewerage to your current home, settle the bill and determine who your new water provide will be. It’s just a matter of information; unlike gas and electricity, you have no say over who your water supplier is.

3. The Post Office

Remember to get your post re-directed to your new address. You can do this by downloading a form from the Post Office website. Do this in advance, as it can take up to 10 days to set up. There is a charge for re-directing your post.

4. The Bank

Let your bank know your change of address and think about transferring your account to a branch closer to your new home. And don’t forget any items that are held by your bank for safe-keeping. Think about other companies that you may have standing orders or credit cards with, as you will need to tell them too.

5. Providers

For your landline and broadband, contact your suppliers and let them know your moving date. Moving home is also your chance to compare quotes for both TV and broadband to find a better deal. Don’t forget to let your mobile phone provider know your change of address too.

6. Electoral Register

The Electoral Register is updated every month and you need to be included on it to vote. A form is available from the Electoral Commission’s About my vote website. You can complete the form online, or download and send it to the Electoral Registration Office which is based at your local council.

7. Home insurers

In addition to notifying your buildings and contents insurance company that you’re moving, check that your current policy covers your possessions during the move.  Find out if your change of address means a change in premium and make sure you have adequate buildings cover on your new home.

8. Car insurance provider

Notify your car insurance company of your change of address. Your premium is likely to change with your new postcode and if there is any change to your parking arrangements. You may also be charged for updating your existing policy so it’s worth shopping around for a cheaper quote before you commit to staying with your current car insurer.


You need to update your driving licence and your Vehicle Registration Document. Failure to inform the DVLA with your change of address within a reasonable period of time can result in a £1,000 fine so make sure you don’t leave it until the last minute!

10. Friends and Family

Finally, don’t forget those people closest to you! There’s no need to buy expensive “change of address” cards. Most people have access to the Internet so send an email, or you can find a good range of “change of address” e-cards online.

If you would like some assistance to sell or let your property, please contact Right Estate Agents on 0845 026 8527 or visit our website.

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What are the 10 things you need to know before you rent out your home?

4If you’re thinking of renting out your home, what are the things that you need to do before you put your property on the market? Right Estate Agents present you a list below about the most important ones.


  1. Make it safe. This means checking things such as the gas and electrics. If they are not safe, you’re not safe as you may be liable to prosecution. A letting agent can help by booking an engineer and will provide you with the relevant certificates if the appliances pass testing – such as a gas safety certificate.
  1. Make sure it is clean. Your definition of clean will be different to someone else’s. And clean in the property world means no trace of a human. This is important because if you hand it over to a new tenant in this condition, then you can insist it is returned to the same state.
  1. Present it to suit your market. For example, if you have a smarter property set in an area of professionals, then you are not going to attract the tenants if it looks like a student pad. Instead, you may end up alienating them instead.
  1. Speak to your lender. You will need consent to let your property if you have previously lived in it otherwise you could be breaking the terms of your mortgage agreement. You will already be covered if you have brought the property specifically as an investment with a buy-to-let mortgage.
  1. Make sure you have leaseholder consent. Your leaseholder may not allow you to rent out your property or they may charge you to obtain a licence.
  1. Notify your insurers. It is unlikely that they will continue to insure the property if you move out and a tenant moves in. You will probably need insurance specifically for landlords.
  1. Tenancy agreement. The most common is a shorthold tenancy agreement, but an alternative agreement may be required depending on the circumstances, such if you are doing a corporate let. These will be provided by your letting agent, who will ensure it up to date and relevant to your situation.
  1. A letting agent will also help to arrange your inventory. This needs to be as detailed as possible, possibly extending to more than a dozen pages. It needs to outline the decoration, style and cleanliness of the property. You may not think this is needed, particularly if you’re renting the property as unfurnished. But ask yourself how you’d feel if the tenant painted the property without asking you in a colour that left you having nightmares or removed the radiators without asking you. An independent inventory by a letting agent is your best evidence against this happening.
  1. Deposit. Your letting agent will let you know which deposit scheme you are using as there are quite a few to choose from. You will need to issue the certificate for that scheme to your tenants. Also give them the terms and conditions leaflet. You need to let them know where it is registered.
  1. Use a lettings agent to manage the on-going tenancy as well as for finding the tenant. They will know what laws you need to abide by, helping to ensure you have a hassle free let.

If you would like some assistance to sell or let your property, please contact Right Estate Agents on 0845 026 8527 or visit our website.

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Paint or Wallpaper – What are the Pros and Cons When Decorating?

3The best thing about the walls in your home is that they can completely transform your space and style in a quick and easy way. Using paint or wallpaper, you can easily spice up a boring room just by changing up the colours and textures.

There are many different pros and cons when it comes to deciding whether to decorate your walls using paint or wallpaper, including the price, the level of difficulty and the versatility. So check out Right Estate Agents guide below before making your decision:

Kids and Pets

Believe it or not, this may be the best place to start when deciding between the two, as both can cause damage in a home and ultimately end up leaving marks on your walls. Many young children like to demonstrate their more artistic side by drawing on newly decorated walls, and muddy pets can often fall asleep against them leaving a dirty dog-shaped mark.

Paint is not very easy to clean once it is on your walls – you can of course re-paint over any marks and dirt, but that can be a bit of an effort to do regularly. If you want wallpaper, then it is best to choose a vinyl material, as it does not damage as easily as other materials and is also easier to clean.


You need to take into account how long it will take to decorate using either paint or wallpaper, although starting from scratch on a bare wall means they may take around the same amount of time.

If you are going to be using wallpaper, you need to make sure the walls are completely clean, flat and undamaged before you start. When it comes to redecorating, wallpaper can be quite hard to get off as well, so this is something to consider. Paint usually takes a couple of coats and simply requires a level of primer underneath, and it also tends to be very easy to cover up.


If you are incredibly arty, then you can create whatever designs you want on your walls using paint, but for the majority of us any swirls and intricate detail can only be added with the use of wallpaper.

Paint comes in a huge selection of colours and finishes, but wallpaper can create a range of different surface and texture too. It comes down to a matter of preference, but if you are looking for a large stylish print, then you will almost certainly need to use pre-designed wallpaper.


Both wallpaper and paint come in a large range of prices, but in general wallpaper costs more. Paint requires very few supplies, whereas wallpaper will usually require the rolls, the paste to stick it to the walls with, and a table to prepare it on.

Many people will also hire a specialist to put wallpaper up as it can be quite tricky to do on your own, but if this is not the case then you could easily save some money by doing it yourself.

The Big Decision

Deciding between wallpaper and paint is really a decision that needs to be made based on a range of factors including those above. The great thing about walls is that they provide you with a great decorating canvas and are easily changed and customisable.

Whether you choose to go with the easy option of paint, or the more customisable option of wallpaper, both are sure to give your room a splash of colour and transform your interior design. If you fancy a bit of both, then there is always the option of paintable wallpaper – this provides you with a way to create a painted but textured effect and have the best of both worlds.

If you would like some assistance to sell or let your property, please contact Right Estate Agents on 0845 026 8527 or visit our website.

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5 handy tips to help renovate a bathroom on a budget

2The bathroom can be one of the most expensive rooms to renovate in a property, but it is also one of the rooms that yield the greatest return on investment. You may consider renovating your bathroom for a number of reasons, maybe you want to sell your home and realise you will get a better price if you renovate your bathroom, or you may want to buy a home but the bathroom is outdated and tired looking.

Renovating your bathroom doesn’t have to cost a fortune, in this article Right Estate Agents will provide you with a number of tips that will help you to renovate your bathroom on a tight budget.

Refurbish bathroom cabinets rather than replace them

If your current bathroom cabinets are damaged or looking tired, sand the wood down and then stain it. Alternatively you could sand the cabinet and repaint it a colour that matches the rest of the bathroom. White is usually the best colour choice for a bathroom cabinet, but if you want to create a quirky look, go ahead and use a bolder colour. Before painting or staining your cabinets, make sure you fix any dents or broken parts. Dents can often be fixed by the simple use of wood putty, which is then painted over.

Use paint rather than wall tiles

If your walls are looking tired and your budget can’t stretch to wall tiles, don’t panic, you can make a huge difference to the appearance of your bathroom by painting the walls. It’s surprising how much a fresh coat of paint transforms a bathroom. If your walls are wallpapered, use a steamer to remove the wallpaper, these aren’t too expensive to buy, or can be rented for a small charge. Before painting the wall, be sure to remove all lumpy and dirty areas by lightly sanding over them and then giving them a quick clean. Painting your walls can turn the most expensive part of a bathroom renovation, into the cheapest.

Compliment your existing bathroom with new accessories

It’s surprising how much of a difference new accessories can make to the look and feel of a bathroom. Replace your curtains, rugs, and shower curtains with fresh alternatives. This doesn’t have to be expensive, you can purchase the accessories separately, make sure they match though. Adding art work or pictures to the walls can make a difference (but be careful not to overdo it). New accessories can give your bathroom a new look even if you don’t replace or refurbish the walls, cabinet or flooring.

Fix your floor tiles or replace them with antislip alternatives

Tired looking, broken or cracked tiles can really affect the look of a bathroom. It is one of the first things that people notice about a bathroom and it says a great deal about the overall maintenance of a home. If your tiles are in a fixable state, fix them and you will be amazed by the difference it makes to your bathroom. If the floor tiles are too damaged to fix, it’s definitely worth replacing them, there are some fantastic flooring tiles available for bathrooms at the moment.

The antislip tile range from Direct Tile Warehouse  is a prime example of how cost effective flooring can be aesthetic yet practical. Moroccan floor tiles are another popular choice of flooring for bathrooms and have become synonymous with contemporary bathroom decor. Tiling a bathroom floor is a complex task and not something that should be rushed, so it’s important to have patience and place extra emphasis on accuracy.

Replace lighting fixtures

Lighting fixtures are an integral part of a bathrooms appearance and usability. Old lighting fixtures can really get a bathroom down at times. Consider replacing your tired lighting with new lighting fixtures, this is a quick fix that can make a considerable difference. Replace your light bulbs with energy efficient alternatives, it may not save you a huge amount initially, but in the long run it will be worth it. It’s recommended that you shop for lighting fixtures in person, as bathroom light fixtures can look a lot different in a picture.

If you would like some assistance to sell or let your property, please contact Right Estate Agents on 0845 026 8527 or visit our website.

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