Why I rent from on-premises hosts whenever possible: so that they’ll have a chance to fix a problem before I have to call Customer Disservice. I’ve only had it happen once, and the hosts were there in 2 minutes offering me a beer on their deck while I waited for them to demold the cottage without using any scented products because I’m also allergic to floral scents (Opened windows, turned on fans, removed and replaced small area rug, mopped, wiped). I’m highly allergic to mold spores after a horrible nasal infection, and if I smell any mold when I check in I’m not staying. I suspect that the insurance company is requiring the higher temp to avoid claims for fungus, mold, and mildew damage to the building, as well as to avoid medical claims from guests exposed to mold spores. We keep our houses and storage areas at a minimum of 55degF (12.8degC) to avoid problems with mold and mildew, and at that temp we’re also running dehumidifiers. Our humidity here is about the same as Edinburgh, which is at the same latitude, with the same kind of slushy winters (I’ve been there in March). You are right in that it seems a rather ridiculous rule for a place to have to be heated beyond a temp where there could be frozen pipe damage if it’s unoccupied. So, my query for UK hosts is - what arrangements do you make for household insurance cover, and through which brokers?Īh, thanks for the clarification. (If they burn it down accidentally, that’s OK, apparently!) The cover wasn’t great, with some daft conditions - we are meant to keep a log of every time we go in the property (pretty well every day, given that it’s attached to us), the heating has to be run at 15degrees centigrade in winter, which is ridiculously high, and there is no cover for malicious damage caused by a tenant. (Obviously, if anyone fell downstairs and hurt themselves, it was bound to be our responsibility!) I therefore had to arraneg separate Landlord’s cover for the Annexe, covering property and landlord’s contents, PLUS the vital third party cover for £2million. On investigation, It transpired that separate top-up cover for this risk, as a stand-alone policy, was not available in the UK, which strikes me as weird. Just before our first guests arrived, I checked with our insurer and found out, to my horror, that there was NO cover for injury to third parties available on our policy (for bothe properties), as the annexe was holiday let. Our Airbnb property is an annexe to our dwellinghouse, and we have let it out successfully for the last year.
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