Home Insurance Query

seatzie

Bit of what if this one, when I bought my house, it was sold as a 4 bedroom, 3 of those are on the first floor, the 4th is actually our sons toy room on the ground floor, would we be justified in getting a home ins quote based on 3 bedroom or would we be safer keeping it as 4 - I'm just conscious that they base rates on number of bedrooms, and when we viewed the house we bought, it wasn't used as a bedroom, it was another reception room on the ground floor, infact all the similar style houses around us use it as a reception room, I don't know anyone who uses it as a 4th bedroom.....................

so then the 2nd question, its a chalet bungalow i.e. it has a full upstairs then an attic above that, so do I go for Detached Bungalow or Detached House when I'm filling in the online quote systems? And does it really matter???lol

sooty&sweep

Bump

I'd like to know the answer.

Anybody ???

Sponge

I don't know if there is a legal definition of a bedroom. It may simply require a room to have a bed and it's primary use to be for sleeping. If other, similar, properties in the area are described/classed as 3 bedroom'ers, then it could be argued yours is too. Do the deeds of the property not shed any light on the matter?

Regardless, I'd suggest telephoning a few insurance companies and asking them what their definition of a bedroom is. Tell it as it is: the house was sold with a room described (by the estate agent) as a bedroom, however, the primary use of the room is now a playroom. See what they say.

Some brief Googling led me to this:

David Marsden, the head of the property department at law firm Matthew Arnold and Baldwin, said that there was no official definition of a bedroom.

Most of the results are linked to HIPs. People were renaming bedrooms as studies to avoid them.