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Posts Tagged ‘Advice for Tenants’

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 »

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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Tags: Advice for Tenants, Contents Insurance, Home Insurance, Insurance for Renters, Tenants Insurance
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