calling Hitched landlords and tenants - help needed

Not sure about question one, but question two is easy! As a Landlord I had a furnished property, so I had both buildings and contents insurance, this covered my contents, carpets sofas etc., I got accidential damage cover too! I would have been responible for my carpets in this instance. I think there may have been a caveat about the tenant informing me as soon as possible to minimise the damage, and non-reporting meant they would become responsible though. HTH

I'm neither, but a letting agent.

Scenario 1 - tenants need to claim from own contents insurance. It's up to tenants insurers to decide whether to pursue the third party to recoup the loss.

Scenario 2 - if the carpets belong to the landlord, it's the landlord's responsibility. Some contents policies specifically designed for tenants include damage to landlords possesions, but that's designed for accidental damage, eg tenant spills wine on the carpet.

Hope that helps.

Thanks to you both, that is what I thought and really helpful. I could have explained the situation but I thought it might be confusing. Basically I am a tenant, and for reasons I won't go into hadn't found a suitable contents policy (i have now!). The pipes behind the shower sprung a major leak soaking the carpet, going through the ceiling in the living room (and causing water damage) and then onto the living room floor. As it turns out there is no 'damage' to anything, but they will need to rip parts of the wall out to get to the shower.

However, my landlord says he only has buildings insurance and carpets etc are not covered on buildings insurance so therefore I would need to claim on my contents insurance (which I didn't have at the time). As it turns out the carpet is fine, but nonetheless the issue might be relevant for the future. i argued that even if I did have contents insurance, surely it would for MY contents and that he should get landlords contents insurance. I said the only exception would be if I had caused the damage, which is mentioned above eg the wine dropped on the carpet.

You pretty much confirmed what I thought. Anyway, he is fixing the shower and I have now found a company to give me my contents insurance.

Thanks for your help!

TG

I have 2 insurance policies on my place that I rent out. One is the building insurance. The other is "landlords property insurance" which covers carpets and furniture (place is part-furnished). It costs about 8 quid a month through HSBC. So, in my case I could claim onthe landlords property insurance for the carpets.

I would expect the sofa to be covered on the landlords insurance because I would expect that claim to cover anyuthign damaged by that incident, but I am not totally sure there,

Having just had the renewal for our landlords building insurance through today I can say ours is buildings plus landlords contents (ie appliances left by us, curtains, carpets etc provided by us)

So the carpet would come under our policy, but the sofa if the tenants would come under the tenants insurance

Thanks again.

I think you are right, my landlord hasn't purchased landlord contents insurance which is his problem, I just want to make sure that I know where I stand should there be any further problems.

I rent out my house in Texas, and I have something similar to landlords contents insurance on my policy, but because the US is different I wasn't really sure if the same thing applied here.

His buildings insurance people have confused things by saying any damage to carpets would be covered on the contents insurance, and so he assumed that as I should have contents it is my contents insurance when in fact he should have his own for his contents. I shall be setting him straight on this.

TG

All sound advice TG. Absolutely it's under the LL's contents insurance. Only time carpets are covered under buildings is in shared areas of an HMO. So he's right in saying it's a contents claim, but under HIS contents.

If he hasn't taken out contents of LL's possessions, it's his loss. I've had the same situation where I had buildings, but not contents in a furnished house. I figured that if someone broke something or nicked a wardrobe, I'd replace it. Didn't think for one minute I'd have to replace a whole house because some fcuker set fire to it ? <have I mentioned this before at all?! ?>

Currently going through moving from our leased house here in Houston to our new home - literally as I type. Will be great not being a tenant again! Although for a while it was quite nice.

Good luck with your claim, and glad your stuff isn't too damaged