As a private landlord, you have a duty of care towards your tenant. You also have legal obligations too. Many of them concerning safety standards. In this article, we'll look at landlord legal requirements, the rules regarding safety and the Fitness for Human Habitation Act. In short the obligations, you have to provide a safe and secure home for your tenant.
There's no legal requirement for you to have landlord insurance. But to not have it is reckless in the extreme. Landlord insurance will protect you against the unforeseen and helps safeguard the large investment you made in your property business.