Insurance cover

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C
Carand
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I need to take out buildings insurance on my new buy-to-let property (it will be unfurnished) and have the following queries that I'd appreciate your views on please:

- Do i need special buy-to-let insurance or can a normal buildings insurance policy be used?

- Is there a better proposition that the RLA insurance offer?

- Using the RICS calculator for the re-buld costs, it suggests that the rebuild cost will be greater than the purchase price (I live in the midlands, not the south, so labour costs can't explain this). Has anyone any views on whether the RICS calculator gives an over inflated value or whether there are any other 'rules of thumb' to consider?

- Do policies generally provide liability cover for myself (as landlord) should something go wrong?

Sorry if these are naive questions, but I'm just starting out!

Thanks!

29/12/2007 00:00

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