dombanks Posted January 8, 2016 Share Posted January 8, 2016 does anyone know if you can buy specific insurance to cover pet damage? seems like loads of advice that some insurance does it but not all and then gives some condescending BS about training sprays etc for cats (which i find mostly don't work). im going to need to take my cat fatty to my rental house (we thought she could stay in our other house) now due to a change in circumstance shes coming and whilst im all for just doing it and worrying later if the landlord finds out id like to have some sort of bargaining chip where i can say if she did scrag a carpet its covered rather than him just using her as "im going to keep your deposit" as most landlords try to do anyway. Quote Link to comment Share on other sites More sharing options...
Rhett Turner - Black Country AO Posted January 8, 2016 Share Posted January 8, 2016 this may be of interest you could of course try a-plan and see what they could offer Quote Link to comment Share on other sites More sharing options...
jeff oakley Posted January 8, 2016 Share Posted January 8, 2016 As a landlord, I have never withheld anyone's deposit, then again I always makes sure that we have good tenants and that the rules are clear. I allow pets, but they do more damage than humans and the biggest issue is getting the place clean afterwards. No one likes to pay, but if everyone knows upfront that there will be a deep industrial clean and in extreme cases carpets to replace then there is no argument. Even if you have insurance, if pets are not allowed you are in breach of your tenancy and could face uninsured costs as a result. 1 Quote Link to comment Share on other sites More sharing options...
CraigHew Posted January 8, 2016 Share Posted January 8, 2016 We've got our dog insured but not our 4 cats. The dogs insurance in respect of accidental damage is mainly limited to 3rd party incidents (running into road causing rta, biting someone, damage to property etc). So I guess if our dog chewed our rug we'd have to claim on our household policy, but if he chewed a rug in another house he'd be covered by the pet plan. TBH there are that many excesses to pay that claiming in all but the more expensive accidents / damages isn't really cost effective. Our house is pretty cat-friendly (in terms of wooden/tiled/solid flooring) but the little tw*ts still rag anything they can. I'm sure if your landlord doesn't allow pets they will sting you either way. Quote Link to comment Share on other sites More sharing options...
Rhett Turner - Black Country AO Posted January 8, 2016 Share Posted January 8, 2016 I thought about the question after posting as I too am a landlord, our default is no pets, but we do say to ask and depending upon the pet would allow accordingly. In the worst case if a pet did do damage then the costs of the damage would be taken out of the deposit and as the deposits are managed through the letting agent and it's not up to us to keep it, so any deductions would need to be agreed. In reality the costs of damage from a pet should be no difference if its a rental property or your own home. The issue for landlords is the prospect of a pet doing more damage than the value of the deposit. If your a good tenant and you've got a decent landlord then they may be amicable, as you said if you can arrange 3rd party pet insurance that may remove most of the liability. You could also offer to have the carpets cleaned when you move on, though I guess if the property is furnished it may be different as the possibility of damage to the landlords property is increased. Quote Link to comment Share on other sites More sharing options...
dombanks Posted January 8, 2016 Author Share Posted January 8, 2016 i know i had it on another place but i cant remember who it was with. it covered things like decorating/carpets/cleaning. i know some landlords are good but in our experience they just see the deposit as a redecorating fund and would not accept fair wear and tear. the only thing ikept from my previous tenants in my house up here was £50 to paint the room white again after they had painted it dark grey! i would have preferred to go with an agency rather than a hobby landlord but its just the way it fell out I'd read that rhet thanks, its helpful enough but doesn't go as far as to recommend anywhere. im guessing its probably something quite specialised or just doesnt exist anymore fatty is coming with me when i move this weekend like it or not as the other half is going out of the country for 2 months so cant keep her in our flat. apart from her fur dropping shes pretty good (doesnt pee/scrag etc) anywhere other than the liter tray and the house is unfurnished so just a case of buying a job lot of the cheapo sizal mats from ikea to place around strategically and hovering like we have done here. 1 Quote Link to comment Share on other sites More sharing options...
dhutch Posted January 11, 2016 Share Posted January 11, 2016 Im going to need to take my cat fatty to my rental house It that a pet name for the inlaws? Daniel Quote Link to comment Share on other sites More sharing options...
Onliest Smeg David Posted January 11, 2016 Share Posted January 11, 2016 We'd rather tenants had pets than children! Which is why we allow pets. Any damage, regardless of what causes it comes off the deposit. Our worst tenants ever had neither children or pets! Quote Link to comment Share on other sites More sharing options...
Kit Car Electronics Posted January 11, 2016 Share Posted January 11, 2016 Make sure you have proof that your deposit is held in an approved scheme, then any costs charged at least have to be reasonably supported, by law. Quote Link to comment Share on other sites More sharing options...
dombanks Posted January 12, 2016 Author Share Posted January 12, 2016 Make sure you have proof that your deposit is held in an approved scheme, then any costs charged at least have to be reasonably supported, by law. Yeah thats something he hasnt done yet. he has 30 days untill it could be a problem for him but given the proximity to christmas i took this house on i am giving him a little bit of leeway. he seems a decent enough guy when we met and im not going to be an A*** about it. Quote Link to comment Share on other sites More sharing options...
Kit Car Electronics Posted January 12, 2016 Share Posted January 12, 2016 Sure, just remember that the deposit is yours, not his, and the law is on your side as a tenant. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.