Question 1

Do I have to pay the broker a fee?

Accepted Answer

Brokers might charge a fee or take commission from the lender. They must tell you exactly how they are paid before you start. Always ask for a written list of all costs first.

Question 2

Is an annual boiler service included in the cover?

Accepted Answer

Most full plans include one yearly service as standard. This keeps your system safe and often keeps your warranty valid. Always check your policy summary to be sure.

Question 3

Does this cover the contents inside my own flat?

Accepted Answer

No, it only covers the building structure and shared areas. You need your own contents insurance for furniture and gadgets. If a leak ruins your carpet, your own policy pays for that.

Question 4

What exactly does the insurance cover?

Accepted Answer

It pays for legal costs and financial losses if someone challenges your property rights. It covers things like building work without permits or missing rights of way. It protects your money rather than fixing the physical building.

Question 5

Does this cover the cost of evicting a tenant?

Accepted Answer

Yes, it pays for the lawyers and court fees to help you get your property back. The law requires very specific paperwork now, so having an expert handle the court case prevents mistakes.

Question 6

Is landlord insurance a legal requirement in England?

Accepted Answer

No law says you must have it, but it is very risky to skip. Almost all mortgage lenders will demand it as a condition of your loan. It protects you from huge costs if there is a fire or a lawsuit.

Question 7

Does standard home insurance cover an extension?

Accepted Answer

Usually it does not. Most standard policies exclude structural changes or major works. You must tell your insurer before you start, or they might cancel your whole policy.

Question 8

Do I legally need public liability insurance?

Accepted Answer

The law does not strictly require it, but most clients do. It is essential for protecting your business from massive costs if you damage a home. Without it, you may struggle to join trade bodies or win contracts.

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