Author: SDH

Domestic garages and outbuildings

Under the buildings insurances we offer domestic garages and outbuildings are automatically insured, provided within the boundaries of the land belonging to the home. If you have an annexe, again within the land, this can also be insured under the one policy. We would need to know the occupancy of the annexe, so a quote […]

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Fixtures and Fittings

What is fixtures and fittings when it comes to insurance? In particular, with regard to leaseholders, what is considered buildings, so should be insured under the freeholder’s or management companies block policy. Then you have to factor in leaseholder’s installed and owned fixtures and fittings. This may be excluded from the block buildings insurance. Finally […]

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Leaseholders and kitchens

Leaseholders and kitchens, or specifically what happens when a flat or maisonette leaseholder installs their own kitchen, is there cover under the freeholders buildings insurance….First things first we would suggest that the leaseholder checks with the freeholder or management company to see whether there is cover. Installing a new kitchen is a major financial investment […]

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Bathroom insurance

Bathroom insurance, you certainly cannot insure just the one room in your home. All of the bathroom fittings would be covered under a buildings insurance. We are blogging about a fitted bathroom paid for by the leaseholder in a flat or maisonette. Depending on the wording under the freeholders or management company’s buildings insurance the […]

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Kitchen insurance

What do we mean by kitchen insurance? Afterall isn’t a fitted kitchen automatically covered under a buildings insurance, as a permanent fixtures and fittings. We are referring to a kitchen fitted by a leaseholder in a flat or maisonette, which as fitted and paid for by the leaseholder may not be insured under the freeholders […]

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Live in landlord

When you think of a live in landlord Rising Damp and Rigsby comes to mind. These days the modern version is very different. Co-habitating with tenants, lodgers or longer term paying guests ticks numerous boxes. Instead of a collection of individuals living very separate lives, with a live in landlord main activity being trying to […]

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West Byfleet

We moved to West Byfleet in May 2014 and overall the move for our company has been a positive one. Our office located in Phoenix House is within a five minute walk from the West Byfleet train station. A main line station stop to London Waterloo. Close to train hubs at Woking and Guildford. The […]

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Writers block

A year is a long time in the life of a website, or in our case it’s been 13 months since our last blog. The reason for the sizable gap, there has been so much else going on and this has contributed to writers block. Knowing that it is favourable to keep our site fresh […]

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Website revamp

Having had an enjoyable Christmas and New Year it is now time to spend time on moving forward for 2015 with a website revamp. This will hopefully happen in the next month and once completed the changes should mean that our website is much easier to navigate on a mobile device, such as a tablet […]

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Completely secure website

We are pleased to advise that we have upgraded the Ember JD website to https, so all pages and posts, including quote forms, are secure. Therefore whatever you go on our website the data you input will be encrypted, so cannot be viewed by other parties. The padlock in the address bar confirms this. More […]

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