Help!!!!new home insurance

sid1234_2

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magpiecottage

Do you know if it is freehold or leasehold? If leasehold, responsibility for insuring it will usually be with the leaseholder. Some houses and almost all flats are leasehold unless (for reasons too boring to go into) they are in Worthing.

If you are named on the deeds as an owner then yes you can insure it. You need to do so for the full cost of rebuilding it - which is not the same as what it would fetch on the open market.

It is important to do this because if you only insure it for, say, three quarters of the rebuilding cost, the insurer would only pay three quarters of any claim, not any claim in full up to three quarters of the building cost.

You probably need to ask a chartered surveyor to do this (ask for a price to do this first and shop around.

Then go to an insurance broker.

KarenBB

You can get insurance without the rebuild cost as some insurance policy offer unlimited buildings cover, they calculate the premiums on your address, post code .....
If you have a one bed bungalow unlimited cover doesn't mean that they'll build you a 6 bed, 4 bathroom house but they will rebuild your one bed bungalow.

sid1234_2

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huckster

If you are on the deeds as a joint owner you can arrange cover in your name.

If you are not a joint owner, why don't you both visit a high street broker and arrange cover. You can translate, so your father knows what is being arranged for him..