Can I insure a house I own for my Mum to live in?

decsdad

Hi,
Is it possible for me to obtain Buildings Insurance cover for a house I own, for my Mum to live in ?

Have had problems as it is not my residence nor am I a landlord.

Is this feasable, and assuming so, any providers please ?

Thanks

dacouch

It's perfectly possible, although would take some ringing around to find someone to do it.

Try a decent local broker (Not swintons) who will know who will accept it (They'll either arrange it as a normal home insurance of a landlords policy

manda1205

Sorry to hi-jack Im in pretty similar position, although its my FIL who was bought us the house and we live in it as if its ours. Im trying to sort buildings cover but can't seem to do it on comparison sites as they won't let you get quote if you don't live in the address too. So from above answer we are best to go to a broker? Would it end up better for us to carry on with the contents as we normally do (we used to rent the house privately prior to my FIL buying it for us) and then arrange the contents separately through a broker? TIA

dacouch

The resident of the property can arrange normal contents insurance in their own name, make sure you declare that it's a rented house rather than you owning it though.

Building Insurance (Whether landlords or normal) should be arranged in the owners name.

N.B Some Insurers will allow you to speak to them on behalf of the policyholder in respect of a claim. This sometimes needs setting up in advance. If it's possible to do this it can be very helpful in the event of a claim