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As a landlord , you'll know that your property needs proper protection. It's your business and your livelihood as well as an investment and an asset so it's simply not something you can leave to chance.
Naturally you'll need to ensure that the right sort of insurance is in place. Standard home insurance isn't sufficient, as a landlord you have liabilities and responsibilities that a standard buildings and contents insurance policy won't cover.
There are many variants of buy to let or landlords insurance that will give you peace of mind, covering you for a range of outcomes to ensure that both your income and your investments are protected , here is a short guide to help you ensure that you get the right level of cover at the right price.
1 - Consider the kind of cover that's required. The starting point would be finding competitive landlords buildings insurance. This would cover your property against the risk of structural damage, storm, fire or flood. It might also cover you against accidental damage caused by tenants. Once this basic level of cover is in place you'll need to consider what you do or don't require from the other options available...
a) Contents insurance - if you are renting unfurnished then you probably won't need this cover. If you are providing furnished accommodation then it's probably something you want to consider.
b) Loss or rent insurance - this type of cover will protect you against loss of income from periods when the property is empty. It might be something you need , it might be something you can negotiate through a letting agent.
c) Alternative accommodation insurance - if for any reason the property becomes uninhabitable, you will be liable for the cost of accommodating your tenants while the necessary repairs are made. It's a potential risk that might be worth insuring against.
2 - Insure more than one property. If you have a portfolio of property, an easy way to reduce the insurance cost is to bring all the properties together under one policy. Most insurance companies will be happy to negotiate a favourable deal for a valued customer so it helps here to put all your eggs in one basket.
3 - Consider the level of excess. As with any insurance policy , if you shoulder some of the risk in accepting a higher excess, your premiums will come down. It's therefore worth giving serious thought to the level of excess you could reasonably afford to pay. If you have a contingency fund to deal with unforeseen emergencies, allocate some of this to your insurance excess , it could end of saving you money in the long term.
4 - Finally, consider the quality of tenant. Professional, well-referenced tenants will bring lower premiums as a rule so it's well worth being selective in who you choose to rent your property to.
Buy to let and landlords insurance doesn't have to cost the earth. Taking a few sensible steps can help to significantly reduce the costs of your buy to let insurance. Artificial Bonsai Trees to Enhance Home Decor
Posted On : Jul-29-2010 | seen (570) times | Article Word Count : 396 |
Bonsai (bon-sai) , the Japanese word, literally means 鈥榯ray planting鈥? It is the art of dwarfing trees or plants into pleasing shapes. Although widely accepted that this skill originated in China, it is the Japanese that developed it into a truly ethereal artform. Bonsai (bon-sai) , the Japanese word, literally means 鈥榯ray planting鈥? It is the art of dwarfing trees or plants into pleasing shapes. Although widely accepted that this skill originated in China, it is the Japanese that developed it into a truly ethereal artform.
Bonsai can be created from almost any perennial woody tree or shrubs which produce true branches. They are dwarfed by confining growth in pots and branches are shaped , clipped and teased to get the ultimate shape and thereafter continuously trimmed and pruned into the desired effect. Some species of trees are commonly nurtured as bonsai because they have the desired features, such as small leaves or needles.
This practice appeared in China well over a thousand years ago and was known as 鈥榩un-sai鈥?or 鈥榩ent-sai鈥?(tray plant) - the cultivation of landscapes and trees in pots. The diverse landscape of China鈥檚 mountains, and clouds became the search for perfect rocks in order to re-create the vastness of the mythical world in miniature form. In fact it was the Chinese preoccupation with legends and mythical surroundings that begat the idea. The Chinese 鈥榩un-sai鈥?incorporated images of fire dragons , mountains, serpants and was of greater importance than trees or plants.
Bon-sai 鈥?the Japanese pronunciation of the chinese character for pent-sai 鈥?embraces the natural world and in particular trees, Japan being of a much less diverse landscape , so the two practices are really quite different.
Bonsai art is intense. It must perfectly and accurately represent an ideal image. As you might imagine, this . |
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