Home insurance on flats/maisonettes

hedgehopper_2

Hi everyone

We are back on the house-buying horse and need to arrange buildings insurance.

The property we're buying is a maisonette: I understand this to mean that it is a flat arranged over more than one floor and it has its own front door at ground level.

I'm finding that the insurance premiums are roughly double what we would have to pay if we were buying a 'first floor flat'. I assume this is because access from the street and back garden is easier in theory.

Does this sound right, and is there any way our property could be classified as a 1st Flr flat for insurance purposes? Although it does have a ground level front door, the actual living space is all in the first and second floor of the building.

Understand if not, but am a bit annoyed that it's THIS much more to insure.

thanks!

huckster

My understanding is that a maisonette is basically a house, which has been divided up into 2 separate units.

If there are more than 2 separate units, then they would be classed as flats.

As long as you have your own separate lockable entrance door to your flat you should be ok to arrange normal Home Insurance.

Speak to the current owner or neighbours about Home Insurance. Quite often for Buildings Insurance, there is a freeholder of block of flats Insurance, covering the whole Building. You would be suprised at the number of people that take out separate cover, only to find out that they are already paying for cover, via a monthly maintenance charge.