landlord insurance

Rob & Rob are back for another round of listener questions: 

• (0:39) Himesh owns a couple of flats, which he currently pays service charges on. As the charge covers building insurance, he’s never taken out any insurance of his own, but now he’s wondering if he should? 
• (2:42) Michelle and her husband have a deposit saved and are considering buying a property, but should they buy their residential home or an investment property? 

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Rob & Rob are back again to answer two more fantastic questions sent in by our Hubbers.

Martin from Birmingham has got in touch this week. He’s had a property for a few years and has remortgaged a couple of times and changed his mortgage rate. 

It’s coming up for renewal again soon and he’s not sure if he should withdraw some of the equity, or leave it in the property so he can get a better loan-to-value rate on his mortgage.

So what should Martin do? 

Well first and foremost it all depends on where Martin is currently at in his investment process, but Rob D has some excellent advice as always. 

Our next caller has a question about insurance. She’s a landlord of a leasehold flat and only has building insurance. 

She’s become a little bit worried thinking of the what-if scenarios. What would happen if something went wrong? Would the tenant be liable for damage? Would building insurance be enough to cover her?

Also, should she be taking out other insurance policies? 

Tune in to find out what Rob B has to say.

Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply). 

Or if you prefer, click here to leave a recording via your computer instead.

The next question on Ask Rob & Rob could be yours. 

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This week on Ask Rob & Rob, Sam Brown from London asked: Should I pay for a rental guarantee? Ultimately, it all comes down to your tolerance to risk. Both Robs do go for it, even though it’s a luxury – it should also be mentioned that Yellow includes it by default, encompassed within the 10% […]

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This week we’re pulling back the curtain on property deals that we’ve personally done recently. They’re both slightly unusual by the standards of what we usually do, but we’ll also be publicly sharing more of our “routine” deals from now on.

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This week we’re talking about insurance…no wait, come back! It’s not the funnest of topics, but it’s a very important one: having no insurance is dangerous, but so too is thinking you’re insured but not actually being covered as fully as you think. Int this episode we ran through some of the many risks that you can […]

The post TPP090: Insurance, and how to get free beer appeared first on The Property Hub.

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This week we’re putting our usual puppies and rainbows into storage and turning our attention to property disasters. You’re not going to get through your investing career without something doing wrong, but how can you decrease the odds, and what should you do when something does knock you off track? From speaking to new investors, […]

The post TPP009: Property Investment Disasters appeared first on The Property Hub.

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