Pet insurance threat to Landlords following Rayner’s U-turn 🐶😺
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🔹 Planned changes to the Renters Rights Bill will mean Landlords will be required to shoulder the risk of damage to properties by pets
🔹 Amendments proposed by the Government will reverse plans to enable Landlords to require Tenants to have suitable insurance to cover potential damage by pets
🔹 It comes as the House of Lords prepares to debate the Bill at Report stage next week
🔹 The changes come despite Housing Secretary Angela Rayner having previously argued that enabling Landlords to request Tenants have insurance would mean “no one is left unfairly out of pocket.”
🔹 Whilst Landlords will no longer be able to require Tenants with pets to have suitable insurance, there will remain a presumption that they will accept Tenants with pets, unless there is a good reason not to
🔹 Ultimately it will be for the courts, and the planned Ombudsman for the Private Rented Sector, to rule on these matters
🔹The NRLA warns this move will make it far harder for Tenants with pets to access rental housing
🔹 Association chief executive Ben Beadle says: “This is a shoddy and outrageous way to make law. Ministers keep talking about how the Bill works for responsible Landlords and yet they seem incapable of speaking to those representing them
🔹 “Yet again the Government simply expects responsible Landlords to shoulder even greater risks without any consultation about the likely impact
🔹 "It comes on top of plans which allow tenants to build higher levels of rent arrears, expect Landlords to shoulder the cost of delays to an already sclerotic courts system, and make it harder for Tenants with poor or no credit ratings to demonstrate their ability to sustain a tenancy".
"It is Tenants who will lose out as Landlords become more risk averse" 🙅
😺 50% of all the adults in the UK currently own a pet, but it's not always straightforward to find a pet-friendly rental home
🐱 In fact, only around 7% of rental homes are advertised as suitable for furry (or scaly or feathered) friends
🐱 Landlords may be hesitant to allow pets in because they have concerns that the property may not be suitable - and those reasons may be deemed valid
🐱 The law states it will not be unreasonable for Landlord to withhold consent if there is a reasonable likelihood of a nuisance to the occupiers of neighbouring properties or significantly increase wear and tear to the Property
🐱 However, consent for pets is now the default under the Model Tenancy Agreement.
🐱 You may be asked to add a bit extra to your deposit to cover any additional wear and tear
🐱 A Landlord is prohibited from charging a fee to a Tenant who wishes to keep pets or other animals at the Property.
🐱 Also, Deposits must continue to meet the requirements under the Tenant Fees Act 2019
Top tips for finding a rental home for you and your pet
🐶 Be upfront about your pet - we would suggest, even before booking your viewing
🐶 Obtain a pet reference - including information such as: confirmation of no previous damage, behaviour and temperament, well-trained and housebroken
🐶 Get pet insurance - primarily covers veterinary costs, some policies also include third-party liability for damages
🐶 Be prepared to pay a higher rent - there is no law to prevent the Landlord asking for more rent to cover additional wear and tear
🐶 Highlight your responsibility as a pet owner - evidence of regular veterinary visits, up-to-date vaccinations, and any training certificates
🐶Look for pet-friendly properties - avoid apartment blocks. Even if your Landlord accepts, the building will not
🐶Prepare a pet CV - a photo, description of your pet’s daily routine etc
Can't I just not tell my Landlord about my pet?
No, you have to let your Landlord know. This is serious, if the owner discovers that you are keeping a pet without consent, you could find yourself evicted.
There are lots more top tips at the Lets with Pets website, including free resources for Tenants and Landlords 📖
For more information on renting with pets, you can email Gary Pringle, Head of Compliance at Cavendish Residential (gary.pringle@cavendishproperty.co.uk) 📧
📸 Left to right: Emma, Rosie, Lisa and Gary at Cavendish Residential 📸
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