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Flat Insurance in the UK
By Tim Larden


Boat Insurance
Getting Boat Insurance can be a wise move as you never know when the unthinkable might happen. Suppose you keep your boat at the local sailing club and it has intruders one night? By protecting your boat with Boat Insurance you`ll ensure that should the unthinkable happen and your boat gets stolen or damaged you`ll be able to claim for your loss. There are many Boat Insurance policies for you to peruse so you should be able to find one that is suitable for your needs. Not all of the policies will be comprehensive though, so it pays to shop around and find one that will cover you for any number of eventualities. You might find that certain types of Boat Insurance cover you for the loss of sailing equipment too, plus damage or loss of outboard motors.


What are the factors involved in flat insurance? Do I need to provide both buildings and contents cover? Who will cover shared flats or flats with student tenants?

The responsibility to insure the building fabric of a flat lies with the freeholder. This means that if you own your flat on a leasehold basis then you only need to insure the contents. The buildings will be covered by the freeholder. In flats with shared areas and gardens, you normally pay a monthly service charge. Out of this charge, the freeholder will also pay for the buildings insurance.

If you are the freeholder of a flat then you need to insure both the buildings and contents of the property.

If you are renting a flat, then your only concern is the contents that belong to you. Your letting agent might insist that you take adeqaute protection for your liability to the landlord. This means that you have insurance cover ihn case you damage the landlords goods. This can be a good idea and while you are not responsible for wear and tear of the landlords property, if you break the washing machine, this cover can be useful.

Yourhomeinsurance.co.uk has a panel of insurance companies that allow it to cover tenants even in shared flats.

Within student shared flats, you need a specialist insurer such as www.endsleigh.co.uk.

For more information about this article and/or the author visit http://www.yourhomeinsurance.co.uk/flat_insurance.htm

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