Buildings insurance
Buildings insurance covers the risk of damage to the structure and permanent fixtures and fittings of a building, for example, as a result of fire. If you have a mortgage outstanding on your property, it is a legal requirement that you have taken out buildings insurance. It is essential that you check that you do have buildings insurance and you are aware of the terms and conditions of it. If you require a quote for buildings insurance, please contact the property management department who will be able to organise it for you.
Contents insurance
A tenant(s) is usually responsible for providing their own contents insurance to cover their personal belongings. The landlord should take out contents insurance to cover loss or damage to household goods that have been supplied by them, e.g. white goods, curtains and in case of furnished lets other furniture and fittings.