Content insurance: 4-bedroom house but only 2 used as bedrooms?

Coume

Hello,

I have a question regarding content insurance.

I will soon be moving in with my gf and we are renting a large house. The house is marketed as a 4-bedroom (3 double + 1 single) but we will only use it as a 2 bedroom one. The others will become a large study and dressing.

So when I shop around for content insurance, should I say that the house is a 2-bedroom or a 4-bedroom one???
Because the quote prices are very different for a 2-bedroom and a 4-bedroom house

Thanks in advance
Ludo

TSx

The definition most insurers use are "rooms built as bedrooms, even if they are now used for something else" (or similar)

so unfortunately, i'd say you have to say it's a 4 bedroom house

Coume

Interesting.

So how can I find out how many rooms were actually built as bedroom? Because despite being marketed as a 4-bedroom I don't believe it is a real 4-bedroom...

Thanks

aliasojo

Coume wrote: »

Because despite being marketed as a 4-bedroom I don't believe it is a real 4-bedroom...

Why? .................

*Scarlett

If it has been marketed as a 4 bedroom property then I would advise you to declare it as 4 bedrooms.

Unless any of the rooms have been permanently changed so that they could no longer be used as a bedroom ie converted to another bathroom it would be a 4 bedroom property.

You may find that having it as a 4 bedroom home will not effect the premium on a contents only policy as much as you might think. This information would generally increase the price of buildings cover (which your landlord would be responsible for).

Try some comparison sites - you can pick the level of cover that you need (make sure you don't underestimate the value of your contents) and try varying the excess.

If you find any online quotes that you like, you can ring the insurer and clarify their policy on the bedroom issue.

Hope this helps.

adamc260

The way insurers look at it is... if you were to sell it, you'd list it as a 4 bedroom as it's worth more than a 2 bedroom?

Also the definition we use in work is 'How many bedrooms are in the property, this includes rooms originally intended to be a bedroom even if they are no longer used as this'