Here is a question about insurance to the blog clinic from Angela (not her real name) who is a tenant
I am a tenant and I rent a high value property where the rent is nearly £4,500 pcm.
On attempting to renew my policy, I have just been informed by my insurance company (one of the biggies) that the postcode and actual property has a stipulation that if locks are not fitted to the ground floor access windows then we are uninsurable against theft for our contents and personal insurance (Fire, Accidental damage still ok).
My question is: who is responsible for fitting these locks? If I (or any future tenant for that matter) cannot insure the property then how can it be legal to rent it out?
I just know the Landlord will say it is our responsibility, but how on earth can it be? The landlord is a very difficult and unpleasant individual who spends the absolute minimum on this house and our relationship with her is “strained” to say the very least. We try and avoid any contact with her, so knowing our rights prior to yet another show down is a priority as she normally just tries to bully us with “grey area” “not my responsibility” etc etc…
I sympathise with your problem, but I am afraid my answer is that it is not specifically the landlords responsibility.
Landlords are all bound by the statutory repairing covenants which requires them to keep in repair the structure and exterior of the property. However this just covers repair. It will not stretch to locks to enable you to obtain insurance.
Neither is the landlord obliged to rent a property which will be insurable. Indeed many tenants do not take out insurance (although ideally they should).
There is also the point that although your insurers may have this requirement, other insurers may not. So you may want to shop around and see if there is another insurance company who will not have this stipulation.
Otherwise I think it will be down to you to have the locks fitted. I would also add that you will need to get your landlords permission to do this, although I think it would be unlikley to be refused.
I have to say that for a high end property such as this, I would have expected window locks on the ground floor to be a part of the service, but my expectation is not law!
What do other readers think?