Do I enjoy to payment if the house burns down?
I'm renting (UK) and wonder if I had to pay anything within case of fire. The contract we have near the company that owns and rents this says nothing nearly fire damage.
Who needs to pay packet for
b) fire damage on house
c) damage from fire aggression (e.g. water damage) on documents, furniture etc
d) cost for fire brigade
e) other costs
I'm also not too clear on who has to remuneration what if the fire was partly cause by us (e.g. through candle fire.
Any advise wheather it is wise to bring up insurance would be greatly appreciated...
Many thanks!
The house will be covered by the owner, you have to get separate insurance for your own merchandise.
Tenant insurance, Endesleigh are quite good.
Doesn't business how a fire starts, as long as it is not deliberate!
I am an ex Underwriter. Go and see an agent/broker asap and procure insurance. Explain your concerns precisely and make sure everything you discuss with the agent/broker is documented i.e. within writing.The small print in insurance documents is hard to work out and insurance companies expect you to read them and know what you are covered for.If you do not understand your insurance coverage you could be denied indemnity when you present a claim. Get insurance anyway as you could end up in debt if you are adjudged to have cause major damage. All big insurance companies hold policies that provide coverage for tenants. Damage you cause to the property should be covered lower than the Tenants Legal Liabiliity clause and any injuries to visitors covered by Third party legitimate liability.
I' ve been out of the business a while but the info I have given you should still hold true.
The actual owner of the house is responsible for insuring the house, unless it specifically states within the tenancy agreement that the tenants are responsible for insuring the house. You however are responsible for insuring your own contents - you can not insured anyone else's contents, individual your own.
If you burn down the house his insurance will cover the fire and associated twist. Your rental agreement may place extra responsibilities on you for damage etc but these are most likely constrained to a deposit or small amount.
If you have a Household contents policy it will cover your family liability so, if surrounded by the unlikely event you are held responsible for the fire and the courts award against you, your insurers will cough up under the personal liability section.
xxFJ
Ask your insurance company they will know the specifics
Answers: It all depends on the contract you enjoy with your landlord.
Usually, as the manager owns the property he/she will insure the structure (house).
If the house is let as furnished then the furniture and fittings may okay be insured.
If you have your own furniture then you would hold to insure it yourself - contents insurance.
Any personal effects that you have should be insured by you under contents insurance.
The same piece applies to documents.
Water damage to the building would be covered by the landlords policy under a condition call 'proximate cause' which basically means that the reduce to rubble was caused as a result of dealing next to another insured risk.
I'm not sure what you mean by a fire being 'partially cause by us' if it was a candle fire you would be totally responsible for the fire - you lit the candle - you left it unattended you thus would be responsible.
It is important that you realise that you have a 'duty of care' to the owner of the house e.g. you can not store unreasonable amounts of flammable textile within the house.
Best advice is you look at the rental agreement (and I do hope you've get one -either with the landlord or his agent) and next get some insurance cover for your contents within the house.