Anne Williams needs to address herself to the major insurance companies rather than to landlords (Opinion, November 15). There are very few which will insure properties in multiple occupation such as bed-sits. For some reason they seem to think benefit claimants are more of a risk.

My own insurers allow me up to 20 per cent of tenants claiming benefit.

I sometimes have more than that and run the risk of insurance claims being denied for this reason.

Personally, my experience of benefit claimants as tenants is as good as anyone. I have never had any trouble and all of them have been perfect tenants. But it is, sadly, not up to me.

-Hans Lobstein, Marine Parade, Brighton