{"id":979,"date":"2011-08-26T11:25:48","date_gmt":"2011-08-26T11:25:48","guid":{"rendered":"http:\/\/blog.legal4landlords.com\/?p=979"},"modified":"2011-08-26T11:25:48","modified_gmt":"2011-08-26T11:25:48","slug":"what-difference-does-landlords-insurance-make","status":"publish","type":"post","link":"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/","title":{"rendered":"What difference does Landlords Insurance make?"},"content":{"rendered":"

\"\"<\/a>

Landlords should protect their property with the right insurance<\/p><\/div>Lots of people are choosing to rent out their homes, rather than sell them and with rental costs on the up, it\u2019s easy to see why.
\nHowever, if you plan to do this you must get the right Mortgages and Finance in place. Some mortgage lenders may simply grant you consent to let and you\u2019ll pay a small admin fee whilst others may make you pay a slightly higher mortgage rate if you have to go onto a buy to let mortgage.
\nWith the thought of increased outgoings, some of you may be tempted to let your home in private without telling your lender. In the long term, this is a false economy and could end up being a very expensive mistake.
\nFirstly, you would actually be committing mortgage fraud as the vast majority of mortgage contracts say that if you want to let your home, you have to seek permission. If you go ahead and don\u2019t tell your mortgage provider, and they find out, they would be within their rights to change your mortgage conditions and put a black mark against you so that you\u2019d struggle to get another mortgage in future.
\nThe other major factor to consider is insurance. If you\u2019re going to let out your property, you will need Landlords Insurance<\/a>. If you only have residential home insurance, then it won\u2019t be valid. This means that if a bad tenant<\/a> leaves a candle glowing over night and your house burns to the ground or there\u2019s a leak that ruins your bathroom, then your insurer is perfectly within their rights to not give you a penny.
\nSo, before you put up a To Let sign, make sure you get Mortgages and Finance sorted first and get specialist Landlords Insurance. You can get a quote now on the Legal 4 Landlords site by clicking here.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Lots of people are choosing to rent out their homes, rather than sell them and with rental costs on the up, it\u2019s easy to see why. However, if you plan to do this you must get the right Mortgages and Finance in place. Some mortgage lenders may simply grant you consent to let and you\u2019ll […]<\/p>\n","protected":false},"author":2,"featured_media":11204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[5,6,39],"yoast_head":"\nWhat difference does Landlords Insurance make? - Legal For Landlords<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What difference does Landlords Insurance make? - Legal For Landlords\" \/>\n<meta property=\"og:description\" content=\"Lots of people are choosing to rent out their homes, rather than sell them and with rental costs on the up, it\u2019s easy to see why. However, if you plan to do this you must get the right Mortgages and Finance in place. Some mortgage lenders may simply grant you consent to let and you\u2019ll […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/\" \/>\n<meta property=\"og:site_name\" content=\"Legal For Landlords\" \/>\n<meta property=\"article:published_time\" content=\"2011-08-26T11:25:48+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/blog.legal4landlords.com\/wp-content\/uploads\/insurance.jpg\" \/>\n<meta name=\"author\" content=\"Joanna Plane\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Joanna Plane\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/\",\"url\":\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/\",\"name\":\"What difference does Landlords Insurance make? - Legal For Landlords\",\"isPartOf\":{\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/#website\"},\"datePublished\":\"2011-08-26T11:25:48+00:00\",\"dateModified\":\"2011-08-26T11:25:48+00:00\",\"author\":{\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/#\/schema\/person\/946561f510196f73204ff7c85e521669\"},\"breadcrumb\":{\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/dev.withcreative.co.uk\/lforl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What difference does Landlords Insurance make?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/#website\",\"url\":\"https:\/\/dev.withcreative.co.uk\/lforl\/\",\"name\":\"Legal For Landlords\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/dev.withcreative.co.uk\/lforl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/#\/schema\/person\/946561f510196f73204ff7c85e521669\",\"name\":\"Joanna Plane\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/dev.withcreative.co.uk\/lforl\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/06c5b9674c084673a3fdc88deb9d7ad9?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/06c5b9674c084673a3fdc88deb9d7ad9?s=96&d=mm&r=g\",\"caption\":\"Joanna Plane\"},\"sameAs\":[\"http:\/\/legal4landlords.com\"],\"url\":\"https:\/\/dev.withcreative.co.uk\/lforl\/author\/joanna_plane\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What difference does Landlords Insurance make? - Legal For Landlords","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/dev.withcreative.co.uk\/lforl\/what-difference-does-landlords-insurance-make\/","og_locale":"en_US","og_type":"article","og_title":"What difference does Landlords Insurance make? - Legal For Landlords","og_description":"Lots of people are choosing to rent out their homes, rather than sell them and with rental costs on the up, it\u2019s easy to see why. 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