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buy-to-let property insurance, some times also known as residential property owners insurance, is needed if you own houses and / or flats to tenants - either on a short-term or long-term basis. Ordinarily you can buy cheap buy-to-let property insurance in the event that you rent five or less properties in the UK than is the case if you rent more than five properties, as in the case of the former you are seen as a small time landlord with a small business, whereas in the latter you are seen as a full blown property-owning company.

Whether you rent five or fewer properties, or five or more properties, but is a problem on this page, since in both cases you must ensure that at least the minimum level of insurance required to protect. Consequently, the number of properties that you will deal with only in so far as the insurance premiums. That is, if you become a owner of rental business, then you must make sure that you at least the following provisions in your insurance:

Fire

Insurance against fire on the property

Natural Disasters (also known as storm-insurance)

Insurance against natural disasters that may occur as a storm when the winds tearing your roof or gutters

Theft

This is especially important if you are renting fully Furnished. In the event that the rental of premises unfurnished, you might want to use a discussion with the tenant whether or not they should be home contents insurance

Public Liability Insurance

This should be a must because they protect against the demands of your tenant or a third party (such as their guests) have to suffer injuries while on your property

Lost Earnings

It can be good if your property is empty, say for example, while you opt for new tenants. If you are on the rental income from tenants to repay the borrowed money that you purchase the property, you must make sure that you have lost, the result of insurance to compensate you in this period

Employee Insurance

If you have employees who go to for you to repair damage, etc. or to rent, then you need to make sure that you have liability insurance for employees in case they are injured while carrying out their assigned tasks

Property Insurance

As a property owner you may find the need from time to time to retain the services of a lawyer, for example, if your tenants refuse to pay their rent or move out of the property at a specified agreed time - when you may need to get Eviction notice to. Since the legal expenses in the UK can be expensive, you should use the insurance against this risk by creating a provision in the legal expenses insurance.

Although the above are basically the bare minimum you need in your purchase-to-let property insurance, you can also use this type of individual insurance companies to meet your specific needs, so make sure you talk about your situation with your insurance, especially if you expect to expand business in the near future.

Joseph Kenny writes for the Loans Store who can offer cheap loans residents of the United Kingdom and secured loans for homeowners.
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