9 Crown Row, Bracknell, Berkshire, RG12 0TH
Liam McDonnell
Lettings Valuer
Liam attended school locally in Ascot and began his career in estate agency aged 18 in the Bracknell area. He has gone on to gain experience within the Maidenhead, Reading and Wokingham markets too. Building relationships is what Liam enjoys the most in his role, which gives him the opportunity to meet and help all kinds of people. Away from work, Liam enjoys playing football throughout the week and for a local Bracknell team on a Sunday (some say the next Sunday League Pirlo).
The best piece of advice I’ve ever been given is…
The way to get started is to quit talking and start doing.
Top of my bucket list is…
To travel around America and Australia.
On Sunday mornings, you can usually find me…
On a football pitch in all weathers – potentially a little jaded from the night before.
My guilty pleasures are…
Watching Super Sunday and the F1 whilst devouring a takeaway. Highly recommended.
The thing I like best about my job…
Helping and advising landlords on how to make the process of letting their property as stress-free as possible, and assuring tenants throughout the process so that it becomes an enjoyable and exciting experience.
The person I’d most like to go for a drink with is…
Sir Alex Ferguson.
19 Dec 2017
Buy to let insurance is also known as Landlord’s insurance.
It’s important that you, as a Landlord, have insurance for the building (buildings insurance) but in addition to this pre-requisite, Landlord’s Insurance can include additional cover for specific risks associated with renting a property. In addition, the majority of insurer’s will require that you inform them if you will be renting the property under a tenancy and they may insist that you extend or change your cover accordingly.
In addition to the buildings insurance part of the policy, which should cover the building for fire, flood and subsidence, Landlord’s Insurance can also cover you for other risks including;
- Contents Insurance (if the property is let furnished or with carpets and curtains)
- Loss of Rent Cover – to protect you against rental voids when the property is empty or when a tenant stops paying rent
- Legal Cover – to protect you against the cost of recovering possession or suing for rent
- Public Liability Cover (to cover against the risk of injury sustained by a member of the public whilst on the property). Making sure shared or communal areas are covered by the Landlord is prudent
- Appliances Cover – This might cover everything from the washing machine to the boiler and it’s worth considering cover, especially for large items like a boiler. Tenants will quickly lose patience if they lose heating in mid-winter!
As with all insurance cover, the premium will reflect the risk covered, the location of the building and the level of excess you are willing to accept on the policy. An excess of between £100 and £250 can be expected in most cases.
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