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Renting to tenants with pets

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  • Renting to tenants with pets

    As a dog owner.....I've always recommended that landlords let suitable properties to tenants with pets (where head lease etc allow). There's pretty straightforward ways of getting an additional indemnity for damage. Tenants looking with pets have less choice. In a market that is often to the landlord's advantage.

    My two are called Max and Junior by the way . I'll post a picture if you like .....

  • #2
    Hi Barry,

    We are a landlord insurance broker and had a query yesterday asking if our landlord insurance policies cover pets.

    We checked with each of our 8 main insurers and although they all allowed tenants to have pets, none of them would cover any damaged caused by them.

    The customer in question left to continue their searches but as far as we could see, it seems like it is a standard exclusion with all companies. I was wondering if you knew what companies provide this cover so I can let them know.

    Thanks
    UK Landlord Insurance Specialist

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    • #3
      Hi

      I'll look in to it - I doubt its available as a mainstream policy, and tenants are expected to indemnify the landlord against damage (we use specific clause on this too).

      Most of our lettings are to high net worth tenants in banking / FS etc - and fortuantely I've never come across a problem where any damage caused by a pet wasn't made good.

      - As for children....that's another story

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      • #4
        Originally posted by BarryM View Post
        - As for children....that's another story
        Yes, won't be long before insurance policies read:

        "Section 4.3.1 - excludes all damage to wallpaper done by 5 year old boys with a crayon in their hand"

        UK Landlord Insurance Specialist

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        • #5
          If I can work out how to post images here.....

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          • #6
            As a dog owner myself, I am having great difficulty looking for a place to rent in the Leeds area. Most of the adverts I have seen specify no pets, no DSS, no children. I am fortunate in the fact that I work and have no children, but will someone let me and Buttons have a rental property ....please.
            Pinoso Property Property Murcia

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            • #7
              Cruel landlords in leeds then! I can see why landlords would say no to pets (as any damage caused by them wouldn't be covered - as discussed earlier) but why can't they just build something in their lease to cover their backs saying any damage caused by pets is the tenant's responsibility. I'm sure the tenants wouldn't mind this?
              UK Landlord Insurance Specialist

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              • #8
                Originally posted by BarryM View Post
                If I can work out how to post images here.....
                If you click on the "Go advanced" button at the bottom of the reply box below the thread, that should put you into a more advanced posting interface - in which case, scroll down, click on "manage attachments" and that should allow you to upload the images. Just watch out they're aren't too big - 500-800px wide is usually a good size.

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                • #9
                  My advice is to go view the property and if you like it put an offer in and inform the landlord that you have a dog called Buttons. In my experience asking hypothetical questions is never a good policy "Will you take a low offer", "Would you accept pets" ....etc.

                  "Here's my offer, this is who I am, btw I have a house-trained dog called Buttons and I can start paying rent next week....." is likely to fall on more receptive ears.

                  Good name for a dog by the way , any pics?

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                  • #10
                    Hoping this will work, if so, say hello to Junior lol
                    Attached Files

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                    • #11
                      Who could say "no" to him?

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                      • #12
                        Excellent.

                        And hello Junior - definitely cute.

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                        • #13
                          Yes, I wish landlord would include something in the agreement. Any pet owner who cares would willingly sign and be happy to cover any damage. In my case, a 20 year old cat, obviously well house-trained - eats and sleeps. My little Shitzu is the same and has never caused any damage at all. It is a shame that pet owners are put into one category. One day........
                          Pinoso Property Property Murcia

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                          • #14
                            By the way love the photo of Junior - will look for photo of Buttons and try to post. Thanks for positive advice - will try it.
                            Pinoso Property Property Murcia

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                            • #15
                              Hello all

                              It is very sad when we hear that a pet has had to be given up because of an housing issue, this is why we created Pet Friendly Rentals - UK Homes to rent that accepts pets.
                              If you are a pet owner and are looking for advice and tips please visit our site, if you are a pet friendly landlord or letting agent we also have advice for you too.
                              We ourselves had a hard time finding a home to rent, but in the end we found a place suitable. if we can help others then that is a good thing.

                              In most cases it is the tenant at fault and not the pet,

                              Good luck to all those looking

                              Pet Friendly Rentals

                              ps can we add links

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