How does home insurance work?

Jonny ///M · 25 Oct 2012 at 02:34

http://local.stv.tv/glasgow/196576-...aze-in-flat-in-charing-cross-area-of-glasgow/

My gf stays in the flat below the one which caught fire today and it got me thinking about this for when we get a flat of our own.

The water from the flat above has came through into a poor chaps room below ruining a lot of his things. According to the landlord he won't be insured for the tennants things but will he be claiming the insurance of the person above or claiming on his own insurance?

If someone flooded me I'd assume I'd claim from their insurance company as it's not my fault just like a car. If the person above isn't insured then what?

Could someone explain how it would all go down?

Jonny ///M · 25 Oct 2012 at 03:05

Was a beko fridge freezer, bosch washing machine, bosch classixx dish washer and a creda dryer mate.

It was actually today not Tuesday too. Reporter guy was a fanny.

So if you have no insurance and get flooded by people above who aren't insured you're ******?

Jonny ///M · 25 Oct 2012 at 03:22

Bennie-Mac said:
In that case could you not sue the owners for compensation and they would have to pay out of their own pocket?

I imagine you can?

You would be left with a ruined place until you got it sorted though if you didn't have the funds.

Jonny ///M · 25 Oct 2012 at 20:10

Meridian said:
Buildings Insurance and Contents insurance are different. If you are in rented accommodation then the structure is covered by the landlord's Buildings cover, and any extras (like cooker) supplied by the landlord will be covered by their Contents cover. As a tenant, it's your job to get cover for your own contents. If you didn't, serves you right. You can certainly try to claim off the insurer for the flat where the fire occurred, but I can't guarantee that you will be successful.

Got it mate, she did say something something about each tenant getting their own insurance. Thankfully her room is fine but the other guy's room is ruined

She has nothing of any real value but when we move in together I'll be looking to be covered.

Jonny ///M · 25 Oct 2012 at 21:59

alx said:
You're not covered now??

She stays in a flat share and has nothing of real value. An old laptop and an old TV I got her for nout.

No point paying to insure the contents of her room.

When we move I'll be insuring expensive tv(compared to hers at least),my pc, 3 bicycles of average value and obviously everything else you have in a full size flat.

I still stay at my parents for now.