Posted: Mon Sep 14, 26 1:49 pm Post subject: To insure or not to insure?
As a renter, house insurance is not the question. If it was I would.
But personal contents? Nothing of great value as single items. But to replace everything - now that's different.
What does the team think?
gz
Joined: 23 Jan 2009 Posts: 9705 Location: Ayrshire, Scotland
Posted: Mon Sep 14, 26 7:20 pm Post subject:
I've got contents insurance. not much more than £10 pm if I remember correctly.
Worth it not just to cover my stuff...but if my stuff damaged my landlord's building....
I would suggest insuring household contents if you are renting. As you say Florence, each individual item might not be worth much, but if you lost a lot, you would need to be able to replace it. Not sure about the situation with rented property, but I am sure if you speak to an insurance broker they will be able to help you about what if some of your property damages the landlords.
Insurance can be expensive, but if you have a good broker they can be very helpful. Ours has recommended not insuring certain things and finds us good deals on others. We had a claim on the vehicle insurance once and she hung onto the insurance company like a little terrier until she got it sorted in our favour.
I've never given a thought to damage my goods might cause to my social housing bungalow. Bet a lot of us never do.
As I'm responsible for decorating the place and providing carpets those are my problems anyway. Woodworm seems to be the problem that the landlord has to repair. The shower is provided as part of the fittings and seems to be repaired by the landlord.
Not entirely sure what I would be doing in a one bedroom bungalow that would cause major structural damage. I know broken windows (unless subject to police investigation) would be my problem.
If your property caused the woodworm, the landlord might come to you to recover the costs. Otherwise, anything that can cause a fire, flood or other major damage.
Well the woodworm was behind the toilet in my case and I plead not guilty to introducing it. You ever had a toilet taken out to get to the woodworm? It was a job for a plumber and a joiner.
The wood was the trunking covering pipework to the loo and the closely placed (tiny) handbasin. How and why? Pass. No space for tenants to add furniture in the room believe me. And not much space for larger tenants
Things like bathrooms/ toilets and kitchens often get shoved in anywhere and aren't thought out very carefully. The house my parents lived in when I was a teenager had the back door opening against the cooker, which wasn't very sensible, the lounge was huge, but the dining room rather too small.
Things like bathrooms/ toilets and kitchens often get shoved in anywhere and aren't thought out very carefully. The house my parents lived in when I was a teenager had the back door opening against the cooker, which wasn't very sensible, the lounge was huge, but the dining room rather too small.
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