? Landlord insurance.

[allgram]

Hi, my wife and i retire very soon and plan to move abroad leaving my daughter to live in our house rent free, am i still legally her landlord as we are not taking monies from her, requiring me to take out building insurance, she has tried to obtain buildings and contents cover but cannot as she is not the house owner, any advice is welcome, thank you , allgram.

[4getmenot]

You own the building therefore you should pay the insurance

[ummmm]

She should be able to gets contents insurance.

[hc4361]

You are not a landlord. There will be no tenancy agreement between you and your daughter, and she is a family member.
You should insure the building,she should insure the contents, assuming they will be hers and not yours.
Your daughter cannot get building insurance as she has no legal interest in the property - you cannot insure something you do not own.

[allgram]

Hi, thank you for your answer,s, it makes much more sense now, again, thank you, allgram

[cassa333]

It is often cheaper to get contents and buildings insurance together so if you get both she can pay you back and you both make the saving.

If she lived in your house and after a couple of years your new life abroad fell through how would that effect her right to live in your house. Or if you came back to visit and she had taken a sledge hammer to the place or whatever?

I think just because she is a relative you should still have some sort of agreement in place.

[richtee]

Hi algram,
just a word of caution regarding living abroad- some contents/buildings insurance limits the cover to 30 days maximum when the house is un-occupied by the policyholder being away- just make sure that your daughter living in the house will count as the house being occupied under the terms of the policy- shouldn't be a problem, but best to check.
Richtee