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MARCH 6, 2025

Other notable issues include illegal conversions where garages, basements, or other spaces are converted into living areas without proper permitswhich are particularly common in older buildings. After a report is filed, an inspector from the Los Angeles Housing Department or Building and Safety is dispatched to evaluate the situation.

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Freeway Insurance

DECEMBER 24, 2024

Once you purchase your first house and set up a homeowners insurance policy , you may think that your insurance needs will be taken care of for as long as you own the house. However, reviewing your home insurance policy on a regular basis is essential if you want to fully protect your property.

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Property Insurance Centre

MARCH 11, 2025

” Plus, of course, the issue of home insurance and block of flats insurance costs, which in the UK increased by 21% year-on-year between July and September 2024, according to a report from Compare the Market. Many insurers require more detailed valuations and risk assessments due to the higher sums insured.

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MARCH 19, 2025

For buildings constructed before June 13, 1979, strict rent control laws apply. These include unstable buildings, unsafe stairways, or poorly maintained common areas like balconies and porches. Once a report is filed, the Department of Building Inspection (DBI) conducts an inspection. First, there are Rent Control Violations.

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Property Insurance Centre

SEPTEMBER 25, 2024

Top Building Insurance Pitfalls Here are some common pitfalls to avoid when getting building insurance in the UK: – Underinsuring. Insure your building at the amount that it will cost to rebuild it and not at the current market value when securing block of flats insurance. What is Covered?

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Property Insurance Centre

JANUARY 27, 2025

The quick answer is yes, you can insure your block of flats even if youre not the freeholder, but the process and your responsibilities depend on your ownership type and lease agreement. Steps to Take Check the Lease Agreement: This document will outline who is responsible for insuring the building.

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MARCH 20, 2025

For instance, problems with roofs and exterior wallssuch as cracks, leaks, or deteriorating materialscan weaken a buildings overall integrity, while foundation issues like uneven or shifting bases create serious safety hazards. These resources are invaluable for both property owners and insurance brokers when assessing risk.

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Property Insurance Centre

JANUARY 30, 2025

Because of these risks, many standard building insurance policies may not fully cover an unoccupied flat for extended periods, typically beyond 30-60 days. Get a Quote Insurance under one roof We are specialists in many types of insurance GET YOUR QUOTE GET YOUR QUOTE What Type of Insurance Do You Need?

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Tosten Marketing

APRIL 7, 2025

At Tosten Marketing, we’ve compiled effective insurance agency marketing plan examples to help you stand out from the crowd. How to Build a Powerful Online Presence In today’s digital age, a strong online presence is essential for insurance agencies. Use social media for customer service.

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Property Insurance Centre

FEBRUARY 10, 2025

What Perils Are Covered by Commercial Property Insurance? Commercial property insurance is essential for businesses to protect their assets from unforeseen events. Fire and Smoke Damage One of the most significant risks to any business, fire can destroy buildings, equipment, and inventory.

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If these conditions arent met, the building can be cited for a violation. Structural issues including unstable porches, broken stairs, damaged roofs, or cracked wallscan compromise the safety of a building. A housing inspectorusually from the Department of Buildings (DOB) or Public Healthwill then inspect the property.

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Property Insurance Centre

MARCH 21, 2025

Growing Property Market with Diverse Building Types Manchester has seen rapid urban development, especially in areas like Ancoats, Salford Quays, and Deansgate, with a mix of modern high-rises and older converted mills. Check out our block of flats insurance p age and get a quote.

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Mark Jackson Insurance Agency

MAY 21, 2024

Traditional home insurance policies often fall short of covering the unique risks associated with running a business from home. Here are some critical insurance considerations every home-based business owner should evaluate.

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Liability Business Interruption Home Insurance Professional Liability Insurance 52

Cover4LetProperty

DECEMBER 1, 2023

The main difference between home insurance and landlord insurance lies in the intended purpose and cover. The main difference between home insurance and landlord insurance lies in the intended purpose and cover. Landlord insurance: specifically tailored for properties that are being let to tenants.

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MARCH 17, 2025

If a buildings indoor temperature falls below the legal minimum, it not only causes discomfort but also attracts fines. Then we have mold and water damage , often stemming from persistent leaks and damp conditions in older buildings. This can pose serious health risks for tenants and lead to significant liabilities.

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Tosten Marketing

MARCH 3, 2025

Showcase Real Client Success Stories Nothing builds trust like real-life examples of how your agency has helped clients. You could feature a local business owner who avoided financial ruin thanks to a comprehensive liability policy you recommended. Host regular Q&A sessions or live streams to address common insurance queries.

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Cover4LetProperty

OCTOBER 1, 2024

Buy to let insurance is a specialised type of insurance that covers the unique risks faced by landlords. While it shares some similarities with standard home insurance, it includes additional protection tailored to rental properties and tenants. It typically protects against risks such as fire and floods.

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Neilson Marketing Services

DECEMBER 5, 2024

This trend means insurance agencies need content that doesn’t just answer questions but also anticipates the needs of potential clients. What to do: Focus on conversational keywords and phrases like “how does liability insurance work for small businesses?” Build trust by citing authoritative external sources.

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Neilson Marketing Services

SEPTEMBER 11, 2024

Email marketing remains one of the most powerful tools for converting insurance leads into clients. For insurance professionals, it offers a direct way to communicate with potential customers, build relationships, and ultimately drive conversions. FAQ How can email marketing help convert insurance leads into clients?

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Cover4LetProperty

APRIL 16, 2024

This insurance typically goes beyond standard home insurance to address the unique risks and liabilities associated with being a landlord. Landlord insurance typically includes cover for the building structure, as well as optional cover for any contents owned by the landlord that are included with the rental property.

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Property Insurance Centre

JANUARY 30, 2024

Freehold Block of Flats Insurance: Top Cover Tips If you own a freehold block of flats , it’s crucial to have the right insurance coverage to protect your investment. Standard home insurance policies may not provide adequate protection for the unique risks associated with a block of flats.

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Property Insurance Centre

JANUARY 4, 2024

The property insurance sector is no exception, as inflation directly impacts key cost drivers such as property valuations , construction costs , and labour. The rising costs of building or repairing properties have a direct effect on insurance premiums.

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Property Insurance Commercial Property Liability Insurance 52

Cover4LetProperty

JANUARY 2, 2024

To understand how you might get the most appropriate cover for your let property, it might be helpful to recap the difference between buy to let insurance and standard home insurance. Not only is standard home insurance insufficient, but if you rely upon it for a let property, any claim may be rejected by your insurer.

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TGS

OCTOBER 3, 2023

A homeowners insurance quote is the proposed amount that you would pay an insurance carrier to cover your home. The quote will be based on many factors, including your home’s age, building features, location and size, as well as your insurance score. What Makes Your Homeowners Insurance Quote High?

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Cover4LetProperty

JANUARY 21, 2023

So, why is specialist landlord insurance necessary? Why won’t standard home building and contents cover suffice, for example? The same might be said of standard homeowners’ insurance and landlords’ insurance – on the outside they appear fairly similar, but it is on the inside that the real differences start to emerge.

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Cover4LetProperty

AUGUST 15, 2022

What is cheap landlord insurance for you may not be so for someone else Also, what you consider to be the cheapest landlord insurance for you may be different from that of your other contemporaries and fellow buy to let colleagues. Your landlord insurance needs to match your own unique requirements and financial circumstances.

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Cover4LetProperty

NOVEMBER 3, 2024

At first glance, there might seem little difference between a dwelling in which the owner occupier lives and one that is let to a tenant – despite the difference in tenure, both are homes, with a building and its contents broadly vulnerable to similar risks and perils. Can I use home insurance for my buy to let property?

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Property Insurance Centre

AUGUST 8, 2024

However, if it goes more long term the insurers can at worst pull cover entirely leaving you to search the market for an alternative, or perhaps apply more stringent conditions and charge a rather large additional premium – usually refundable on a pro-rata basis, assuming you are able to let the property out again!

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Property Insurance Centre

OCTOBER 18, 2024

The insurance industry has had to adjust premiums to reflect this growing risk. By mid-2024, the average cost of home insurance had risen by 19% compared to 2023, with flood-prone areas facing even steeper increases​ CityAM.

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Property Insurance Centre

AUGUST 12, 2024

This new policy doesn’t apply to all buildings. In the event of a confirmed fire, ensure you have a process in place to safely evacuate the building and for a person to call the LFB (via 999) to confirm a fire has broken out. Buildings of substantial public significance identified as exempt by LFB.

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MARCH 6, 2025

Other notable issues include illegal conversions where garages, basements, or other spaces are converted into living areas without proper permitswhich are particularly common in older buildings. After a report is filed, an inspector from the Los Angeles Housing Department or Building and Safety is dispatched to evaluate the situation.

Building 52

Building Damage Insurance Broker Underwriter 52

Property Insurance Centre

JULY 21, 2024

Aspray’s exemplary performance serves as an inspiration, showcasing the impact of dedication, expertise, and a client-centric approach in achieving excellence in loss assessment and claims management.

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Claim Property Damage Building Property Insurance 52

TGS

OCTOBER 3, 2024

Home’s Replacement Cost Your premium isn’t just based on your home’s market value but on what it would cost to rebuild it. A home built with custom materials or unique architectural features will cost more to replace, and that drives up your premium.

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Property Insurance Centre

DECEMBER 23, 2024

So why wouldnt you, one reason why some Commercial Property Owners dont have this, is they have purchased a building where the door or lock is old and quite simply have not upgraded the door as they believe the door to be, “good and solid” which it might be!

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Cover4LetProperty

OCTOBER 10, 2022

So, the biggest nightmare is losing it all from incidents such as fire, flooding, or subsidence, for example, as well as other risks to the building and its contents. Why do I need specialist let property insurance, rather than any other type of property insurance?

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Property Insurance Centre

NOVEMBER 11, 2024

For example, many commercial buildings and retail business will often have large theft excesses applied, as a result of theft & malicious damage claims. It can be an extremely nuanced subject & question. It will also, generally speaking, lead to less claims as the deterrent is in place for any would-be thieves.

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Insurance Insurer Insured Premium 52

Property Insurance Centre

JANUARY 16, 2025

Commercial Flood Insurance in the United Kingdom: Types of Coverage Available Commercial flood insurance policies typically cover: Property Damage: Repair or replacement of buildings, fixtures, and equipment. Contents Coverage: Protection for stock, inventory, and furnishings.

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