The Dangers Of A Rented House

As a buy to let landlord, you're probably already familiar with certain risks and liabilities

. You know, for example, that it's sensible to take out a comprehensive insurance policy for a buy to let property. This would cover for the loss of white goods, curtains, carpets blinds and any other furniture for use by the tenant in the Let property and also against fire or loss of earnings. Insurance is also your Legal Liability Cover in the event of a tenant having an accident whilst within the Let property which could be deemed to be the fault of the Property Owner. However, there are other risks and dangers that you might not be so familiar with.

Electrical items in the home need to have regular checks. It's the law now that each electrical device that is left in a rental property has to be tested against certain safety standards. Any good letting agent or manager should be doing this for you on an annual basis and providing you with a safety certificate. If you are renting your property furnished or with any electrical items inside, it's a compulsory certificate and will help to protect you from any damages claims that might come about in the future.

Carbon Monoxide is a major danger in rented homes and has been responsible for several tragic deaths over the last few years. Any appliance that is connected to a mains gas supply needs to be regularly checked and serviced. This means gas boilers and central heating systems but also gas fires and ovens. A thorough inspection by a registered "Gas safe" engineer is needed every year to check for leaks, damage and problems with ventilation and air obstruction. Again, there is a cost here but it is a legal requirement and will provide you with the peace of mind from knowing you are properly covered.

The furnishings in the home also need to come up to specified standards for fire resistance. Older furniture was stuffed with highly flammable, poisonous foam materials. If you want to rent your house out today you need to ensure that all of the furniture inside is made of modern, fire resistant materials.

There is a lot to think about when renting out a home. The first step is to find a competitive buy to let insurance policy. Once you have done this you need to make sure your house is safe, free from risk and up to the required standards.

by: abhi kumar

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