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Archive for the ‘Advice for Tenants’ Category

A cast iron certainty to improve a bathroom

Wednesday, July 28th, 2010

Early plumbing systems for a bath have been documented as far back as far as 3300 BC with the finding of copper water pipes underneath a palace in the Indus Valley Civilization of ancient India. The Roman Empire of over 2000 years ago was famous for its love of bathing. Around 500BC all Roman citizens were encouraged to visit the many public baths on a daily basis. The Romans used marble for the bath tubs with bronze and lead for the pipes, they also created a very complex sewage system for sanitation. In fact the Romans set the bar high for personal hygiene. Bathing was still very popular until shortly after the Renaissance, when it was replaced by the heavy use of sweat bathing and perfume, because it was thought at the time that water may carry disease and infections into the body through the skin.

Cast iron has been used in the manufacture of baths for hundreds of years. A cast iron bath was once very common in the bathroom of a home before being replaced over time by man-made materials. Having a cast iron bath is now very much sought after in bathrooms of home-owners trying to create a contemporary home. Cast iron baths are the original roll top bath, named because of the way the top of the bath curves over. They are similar to a steel bath because they are both immensely strong and very rigid, both are coated with porcelain enamel, and both are very easy to clean and have a long life. The bath is cast from iron in a mould, then after forming the bath shape it is chemically cleaned, this ensures the surface is spotless before applying the enamel coat. A porcelain enamel coating will then be sprayed onto the bath and the entire bath is then fired in a large kiln to give a very strong chemical bond between the enamel and the cast iron.

The bath will not need a cradle or a frame as its strength will allow feet to be cast or bolted onto the body of the iron bath. The feet of the cast iron bath are not normally adjustable because the bath itself is extremely heavy. Because of this, it is important that a cast iron bath is only put on a very solid and level floor. It is very important that checks are made to make sure the floor is strong enough, or the bath may end up in the living room and a claim on the cheap home insurance policy ensues. The clawed foot is one of the most popular types of foot for a cast iron bath. A cast iron bath that has clawed feet is not normally enclosed and is often featured in the middle of the room. This allows the householder to apply some decoration on the underside of the bath and it is possible to get some very attractive designs to highlight the clawed foot bath.

Tags: Advice, Advice for Tenants, Home Insurance, household insurance, Saving Money, tenants
Posted in Advice for Tenants, DIY, Home Insurance, Saving Money | No Comments »

Protect the PC the way you would a house

Thursday, July 22nd, 2010

Not so long ago, access to the internet was via dial-up connection and kettles across the country were switched on as people waited for the screen to display the World Wide Web, it was that bad! In just a few years broadband has arrived making things much faster. Wireless broadband has been another improvement and with it came the wireless router.

Today, a broadband connection is not just limited to serving one computer. A wireless router will make it easy to connect every computer in the home, but if the homeowner is not careful the wireless router can give access to more than just the people it was intended for. No one wants to make a claim on the household insurance because a door or window has been left open. Making sure all the computers are safe, especially the WiFi connection is just as important as locking doors and windows. Wireless sharing is a good way to make the most of a broadband internet connection, it can also raise some security issues, but a properly configured wireless network could actually make all the computers safer, this is due to the router’s built in firewall. Not only can every computer gain access to the internet at the same time, but when a wireless router is set up correctly other devices like printers, PDAs, cameras and internet telephone handsets can also take advantage of the wireless capabilities.

Using a wireless router is definitely the most convenient way of getting the best from broadband. A wired router leaves a trail of chunky Ethernet cables all over the home. It is possible to do without a router and instead use Windows Internet Connection Sharing which can turn one of the computers into an internet gateway. However, by doing this the other computers in the home will only have a constant internet access if the gateway machine is constantly switched on, which to be fair is an expensive waste of electricity and will make a carbon footprint a few sizes bigger. However by installing a WiFi router it would solve all of these problems, and it is very easy to do.

A wireless router creates a network that all of the homes computers can use to access one broadband connection. It may sound complicated, but in reality it is very straightforward. The Wireless routers job is to act as a junction box that will join the network of the home together. The wireless router will connect to the broadband line through a modem, then each of the computers in the home will connect to the router either wirelessly or, maybe if it is in the same place as the router, it will be through one of its wired ports.

For a wired connection, the computer must have an Ethernet adaptor (which most recently released systems will have), built into the motherboard. To connect wirelessly, a computer must have a wireless network adaptor.  If it is a laptop chances are it will have one built in already, if it is an older desktop that is being used they are very easy to add on. The kind of router needed depends on what the broadband connection is and also the existing hardware. If it is a cable modem with an Ethernet port, than this be can used with a new router. If however it is any kind of ADSL modem it is recommended that a router with an ADSL modem built in is used, because it is a lot easier to set up and does not cost much more.

If a wireless network is left unsecured, it will mean that anyone who is within range and who has a WiFi equipped computer would be able to use the broadband line, and have access to the computer and all the files connected to it.  It may seem somewhat unlikely that a hacker will do this, but just bear in mind that ‘bandwidth stealing’ is becoming all too common.

Tags: household insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Home Security | No Comments »

A tasty way to start saving the planet

Wednesday, July 21st, 2010

Growing your own food is one of the easiest ways of reducing a carbon footprint. There are not many better feelings than snapping off some leeks, pulling a handful of new potatoes or harvesting green beans from the garden. With money still tight for most people, home gardening is a great way to eat affordable and healthy food, as well as connect with nature and have the joy of watching them grow. Leeks are a very easy vegetable to grow and also one of the mildest tasting vegetables in the onion family. Leeks are known for their long stems and are great when used in soups, stews and casseroles, while lettuce is another easy vegetable to grow, and is very popular with gardeners old and new because within 6 weeks of planting, they can be harvested.

Not since The Good Life was on television has the United Kingdom been planting, sowing and harvesting in such numbers. Many people are very worried about food miles while others want to eat more wholesome organic produce, whatever the reason more and more are choosing to grow their own.  It is not surprising then, that sales of vegetable seeds have now overtaken sales of flowers. An important job of being in the garden more is making sure the home is secure; make sure all doors and windows are secure in case any opportunist thieves are in the area. Also if you bring anything valuable out into the garden with you while working, contact your household insurance company to check theft from the garden is covered on the policy.

The good news is that anyone can grow vegetables. It does not matter how big or small the plot size; it can be a window sill or a massive garden. Many are doing organic gardening as a hobby that helps them relax. The organic garden has increased in popularity over the last few years, and even though organic food is very easy to get at all supermarkets, gardeners would rather do it themselves. Organic gardening is very satisfying and is done with the use of no chemical fertilizers no pesticides and no artificial supplements during the growing process. Making the compost is so much more fulfilling than grabbing a bag of chemical fertilizer. It is simply using up garden and kitchen waste material.  Use potato and other vegetable peelings; add some rose cuttings which will help with the texture.

Organic gardening can give a good sense of pride even if the only space available is a small patch of land. It is even possible to get the children involved in organic gardening, by encouraging them to have an interest in how the food is made. They are sure to have some fun helping with the making of the compost, planting seeds and trying to think up ideas on how to remove any bugs. But most of all, they will love eating all the delicious food that has come from the organic garden. “

Tags: Garden, Garden Insurance, Growing vegetables, Home Insurance, Home Security, household insurance, Saving Money
Posted in Advice for Tenants, Contents Insurance, Garden, Home Insurance, Home Security, Possessions Insurance, Saving Money | No Comments »

Television no longer a box in the corner

Wednesday, July 7th, 2010

With so many HD Television channels starting to appear, getting a new HDTV is becoming more popular. Wanting tobuy a new HDTV is easy; knowing which one to get can be the hardest part. Is it Plasma or a LCD HDTV?  Firstly decide how much money is available to spend on a new television, and when a new expensive television is bought, make sure it is covered on the household insurance policy. Bear in mind that a LCD TV will only use about a third to half the electricity that is needed to power a Plasma screen television of the same size, so take into consideration the amount of money that will be saved over the lifetime of the television by going with an LCD television.

The lighting of the room needs to be considered. In a very bright room, a LCD television will have better pictures as they are not as reflective as Plasmas. While in a dark room the plasma television will give the better picture. This is simply because a Plasma television will display black much better than a LCD television can do. Decide whether the viewing angle is an important feature. A LCD television is best viewed at a straight on angle because the bigger the angle a LCD is looked at, the more the picture will darken slightly. A Plasma television has better viewing angles.

Another consideration is the type of films that will be watched and whether the television will be used playing lots of video games. On a LCD television, motion blur can be noticeable with fast images. With a plasma television it will be barely noticeable. If a lot of sport will be watched on the television, then the only one to choose is a Plasma TV. It has got an amazing viewing angle, which basically means that watching a game will have the same perfect picture from anywhere in the room.A Plasma television will provide the best colour, the best contrast ratios and the best motion in the HDTV department. This is because each individual pixel controls both the brightness and colour which gives the plasma televisions much more shadow detail, as well as better depth of field.

Finally a Plasma television will last just as long as a LCD TVs. Most plasma manufacturers give a life span of around 100,000 hours. This is a huge number, even if watching a television for 18 hours a day. If picture quality is at the top of the list then a plasma television is the only way to go. Soon there will be another television to choose from, the LED television is the new kid on the block, and it is making giant steps in the television market. The developers of LED televisions say thy will be so thin that they can be attached to the wall as if it was wallpaper. LED Televisions do cost a fortune, but they do offer a much better picture quality and resolution when they are compared to both Plasma televisions and LCD televisions.

Tags: Contents Insurance, Home Insurance
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Homeowners considering their options

Friday, May 28th, 2010

There is still a current slump in the housing market, and many homeowners who are looking to move find themselves facing the possibility of missing out on the chance of moving into their dream home because their own property just won’t sell. More and more homeowners are now turning to the rental market as an alternative to actually selling their home. With the residential letting sector booming many homeowners are finding themselves as landlords for the first time and need advice on how to avoid many of the pitfalls renting out their own home can have.

It would be a sensible choice to use a letting agent; they will help in finding the right tenant. i.e. they can offer guidance on what type of tenant you want, the prospective landlord has to consider if they are prepared to accept smokers, pets, children, or people on benefits, it is almost guaranteed a  flexible landlord using an agent will   find a tenant more quickly. The agent will also check out prospective tenants with credit checks and references.

Make the house attractive for potential tenants by freshly painting the walls in a neutral colour and give the floor coverings a steam clean. Make sure there are no unpleasant aroma’s, air fresheners will help here, and make sure the garden, drive and patio are clean and tidy. There are so many houses to let at the moment that it is key to have a property that will match the aspirations and expectations of any tenants.

A detailed inventory should always be made and kept for the length of the tenancy, this should be carried out at the beginning of a tenancy and the tenant should agree that they are happy with it soon after moving in. As we live in the digital age it is possible to conduct a detailed photo inventory, too, which could help solve any disputes about bonds and damages at the end of a tenancy

As a new landlord you should ensure you have a current gas safety certificate and electrical safety certificates to comply with the current legislation. By law you need a gas certificate and you will also need to get an Energy Performance Certificate (EPC), which is now a legal requirement before a property can be marketed.  And an EPC will be a plus for prospective tenants as will your home being as energy efficient as possible.

Another very important element for the prospective landlord is to ensure he has the correct Landlord insurance for the property. Normal home insurance is not enough and there are many companies that offer cheap landlord insurance which will cover you for malicious damage as well as accidental.

Tags: household insurance, landlord advice, moving house
Posted in Advice for Tenants, Home Insurance | No Comments »

Personal Savings – Tips for 2010

Thursday, April 15th, 2010

Savings are particularly difficult to deal with at the moment.  Low interest rates mean that savings accounts are offering particularly small incentives for savers, and even the most trusted brand name banks have proven unstable recently, making it difficult to trust that your savings are even well-protected.

What, then, should be done with your personal savings?  Or should you not be saving at all?

Kevin Mountford, of the financial advisor website moneysupermarket, predicts that Banks will actually be offering ’some good deals’ for savers in 2010.  Mountford said ‘Clearly now, banks, building societies etc are desperate for retail inflow, so I think that we will see a fair amount of competition, albeit the back drop is going to be a fairly flat bank base rate environment.’

His advice, echoing that of many others, is to keep a close eye on rates that are being offered both for your existing savings and for competitors.  The competitive climate should result in frequent rate changes, so it should pay to keep your eyes open for the best deals as soon as they appear.  This can even mean reading some of those mail-outs ‘to the homeowner’ which you probably discard without opening; sometimes they can contain some valuable information.

On the other hand, banks will probably be offering deals with attractive opening deals, but many of these will mature into lower rates after a set period.  It is always essential to read the small print of any new account you open.

Furthermore, learning lessons from the collapse of banks like Northern Rock, always check terms and conditions concerning the security of your savings.  Peter McGahan, MD of Worldwide Financial Planning advises that ‘what you are looking really for are well capitalised banks that will protect your money.’  In fact, one of the most effective financial security measures is actually to spread your savings around, ensuring that no one incident can affect all of your savings.

There are other options too besides savings accounts which could work well for your financial capital at the moment.

If you have outstanding debts, including mortgages, loans and credit cards, this could be a great time to consider paying them off with any savings you have.  If your debts are costing you more than your savings are bringing in, it could certainly be more financially viable to transfer the capital across.  Unfortunately, some terms and conditions of loans carry early repayment penalties, which may well have to be factored in to your plans.

Another option that could be particularly useful for your savings this year is ISAs.  Your allowance for ISAs increases this year, and this can be a great place to put your savings.  In these accounts, interest is paid tax free, and so should often be your first port of call.  Andrew Hagger from moneynet.co.uk advises that you should ‘Make the most of your tax-free benefits first, and then look to other easy-access savings accounts’.

Unfortunately, 2010 still won’t be the best of years for savers, but there are still many options available to ensure that you money is in the best possible place.  The key is to be flexible and ready to move your savings to wherever the best deal is, a wise idea to ensure this is to take out a home insurance policy.

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Protect Your Home From Harm – Some Simple Tips

Tuesday, April 6th, 2010

Household Insurance protects against unfortunate occurrences within the home.  It is always advisable to take out insurance as a safeguard should the worst happen.  However, even when your home is well insured, avoiding problems in the first place must always be preferable.

In fact, the majority of accidents which occur at home are entirely avoidable.  Although good insurance will be able to compensate you for damages, taking care to avoid careless actions which cause accidents is the only sure way to protect against disturbance and stress.

There are some very basic home safety tips that, if followed closely, should significantly reduce the chance of an accident occurring in your home.

House fires are one of the most common accidents in the home.  Causes range from gas being left on to leaving candles burning overnight and even to overheating hairdryers.  Care and diligence is required when using any item which could ignite a fire within your home.  House fires occur most often when homeowners have gone out or when they are asleep, having forgotten to turn off or extinguish dangerous sources of fire.  If you are concerned, there are often replacement items available which are less dangerous, for example convection stoves or safety candles.

Smoke alarms are also an excellent safeguard against house fire.  As long as they are well placed and frequently tested they can alert you to sources of fire before they cause larger problems.

Further protection against damage can be attained by preparing for fire outbreaks.  Readiness to respond to emergency can be the difference between minor problems and major damage to your home.  In practical terms, that means having a telephone available at all times, ideally a landline as well as a mobile.  Emergency services are well trained to deal with all kinds of fire, but can only help if you have the means to contact them immediately.

Primary response protection can help minimise damage as a precursor to the arrival of emergency services.  Stocking your home with adequate first aid kits, fire extinguishers and fire blankets can stop fire from spreading while the emergency services travel to your location.

Another type of accident within the home often reported are trips and falls.  Staircases are the major offender in this case.  Particular danger is caused by cluttered staircases, and those which are badly lit.  Handrails and good lighting both provide safeguards for you, your children, and any visitors.

Flooding caused by leaks or overspills represents a significant proportion of home damage.  Water sometimes seems an unlikely foe, but flooded rooms can damage carpets, flooring, electrics, furniture and more.  To protect against overflowing baths and sinks, automatic tap controls can be fitted which turn off water flow as soon as they fill up.  Even if your bath or sink has an overflow outlet, these can become overloaded.

To prevent against unseen flood sources, such as internal plumbing, always use a reputable tradesperson when building or changing piping.  If you notice anything unusual, such as changes in water pressure or unexplained noises, these should be reported quickly to avoid damage.

Damage to your home can cause annoyance, upset and at worst the loss of irreplaceable property.  Insurance will be able to offer compensation for many home accidents, but preventing damage in the first place should always be the first priority.

Posted in Advice for Tenants, Contents Insurance, Home Insurance | No Comments »

10 Things To Remember To Avoid Home Thefts.

Thursday, June 25th, 2009

countryboyshaneBelow are 10 practices to use to avoid becoming a victim of home theft.

1. Lock the windows.
Make sure all of your windows are locked as you are leaving your home.

2. Lock the doors.
Make sure all of your doors are locked as you are leaving your home.

3. Turn on the home security alarm.
Ensure that your alarm is turned on as you leave your home (if you have an alarm).

4. Use a visual or audio deterrent.
At night, leave on a light, radio or TV for background noise to deter prying thieves from entering your home.

5. Park your car visibly.
Have a parked car in your driveway to deter prying thieves by giving the impression that someone is home.

6. Have your keys
Ensure that when you are leaving the house, that there are no keys left in the door.

7. Hide your spare key well.
Be security savvy. Don’t leave your spare key in an obvious place where people may find it.

8. Be aware of your living environment.
Ask neighbours to look out for any unusual neighbourhood activity. Participating in a neighbourhood watch scheme is ideal for the local community to look out for each other.

9. Secure your belongings.
You can improve your home contents security by storing your items in a shed, by having a security fence or having a secure chain.

10. Don’t tempt thieves.
Don’t place valuable items such as laptops, TV’s, camera’s and money in plain view plain sight for the public to see.

Image credit: Country_boy_shane

Tags: Advice, Advice for Tenants, Garden, Home Security, Theft, Tips
Posted in Advice for Tenants, Home Security | No Comments »

Caution For Homeowners As Garden Thefts Expected To Rise This Summer.

Tuesday, June 16th, 2009

rainvtHomeQuoteDirect would like to caution homeowners about the growing threat that they face this summer with garden theft. HomeQuoteDirect would like to ask that homeowners be vigilant this summer with securing their shed and garden items.

Garden theft is a growing problem in the UK. The threat of garden theft is highest between March and August. This summer, it is expected that 3 million Britons will fall victim to garden theft. Unfortunately, many Britons purchase tools and other garden items of value and do nothing to protect their goods from being vulnerable to garden theft.

A common misconception amongst Britons is that they don’t expect to be a victim of theft, as well as being prone to other damage such as vandalism or weathering damage. Some of the most notorious areas for garden theft in the UK are in the north of the UK.

Not all household policies cover garden loss, damage or theft. It is up to the individual to check with their broker to ensure that you have adequate cover for your garden tools, equipment and stored items. HomeQuoteDirect also provides household insurance policies that adequately cover your garden against loss, theft or damage.

Some types of theft and damage that is common include:

•    Garden stripping – whereby people (particularly rogue landscapers) steal and resell plundered assets to unsuspecting clients. Cases can be so extreme that people have returned home to find their entire garden and furnishings removed.
•    Garden property vandalism – People damaging the contents within your garden.
•    Shed contents theft – Whereby people break-in to steal valuable items. (Usually bikes or power tools.)

Common items that are targeted include:

•    Barbecues
•    Bicycles
•    Power tools
•    Garden ornaments (such as garden gnomes)
•    Lawn
•    Furniture

Some precautionary measures that homeowners can take during this summer include:
•    Installing security lighting in your garden to deter thieves.
•    Installing a sensor alarm to alert neighbours or authorities against trespassers.
•    Use a pen or engrave identification onto your valuable goods in case of theft.
•    Improve the secure latching on your shed or valuable items.

It would be ideal to take out a policy on your garden contents. Typically, garden policies will cover:
•    Theft
•    Fire
•    Storm/flood damage
•    Malicious damage
•    Accidental damage
•    Damage by wild animals
•    Branches

You can get with a from HomeQuoteDirect’s household insurance policy will usually provide you with basic garden cover, however you may need to adjust your cover to specific items that is in your garden. The basic garden policy can cover you for up to 15% of your value. Click here to get a quote on household insurance from HomeQuoteDirect.

Image credit : rainvt

Tags: Advice for Tenants, Contents Insurance, Garden, Garden Insurance, Home Insurance
Posted in Advice for Tenants, Contents Insurance, Home Insurance, Possessions Insurance, Student Insurance | No Comments »

Home Insurance Advice for Tenants

Friday, April 17th, 2009

If you are renting a property, as a tenant, what sort of insurance do you need?

If you are renting a property, be it from a private landlord or from a council or local authority, you are not responsible for insuring the building itself. This is the responsibility of whoever owns the building.

Your landlord or council / local authority will have taken out buildings insurance which covers any damage to the structure and fabric of the building. Therefore, in the event of a fire, the buildings insurance will cover the cost of any remedial works.

However, you should be aware, that as a tenant, the buildings insurance does not cover any of your personal property.

As such, in the event of a fire, if your belongings were damaged or destroyed you are not covered under the owner of the property’s buildings insurance. Similarly, should the property which you rent be broken into, and your belongings stolen, again you are not covered under the buildings insurance.

As such, if you are renting you should really consider home insurance to protect your belongings in the event of a fire, flood, theft etc.

You do not need to get buildings insurance as that will be covered by the owner of the property, you simply need an insurance policy to protect your belongings. This is called contents insurance.

colourful-houses

Contents Insurance Advice for Tenants

Most importantly, we would advise tenants to ensure that they select their insurance carefully and ensure that they choose a policy which provides adequate cover for all of their possessions (including furniture, TVs, stereos, computers, clothing, valuables, household appliances etc).

If you rent a furnished or part-furnished property bear in mind that you may also be responsible for loss or damage to these items whilst you are living in the property. Check your tenancy agreement to see if you are liable - if so, make sure that these items are also covered under your contents insurance.

If you own something particularly valuable you may need to get extra cover. Remember, it’s far better to take the time to check that you are adequately covered at the time of taking out the policy, rather than finding out that you don’t have sufficient cover when you need to make a claim.

Finally, make sure you keep your insurer appraised of any changes - for example - if you move, make sure you let your insurance provider know so they can make any necessary amends to your policy. Similarly, if you purchase anything new - e.g. a new TV, make sure that your existing policy still offers adequate cover.

The Citizens Advice Bureau have produced an excellent guide to Contents Insurance - click here to read more.

Click here to get a quote for your contents insurance from HomeQuoteDirect.

 

Image credit jakeliefer

 

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