Buildings insurance for a leasehold garage

firestorm908

I am due to renew my buildings insurance on a garage that I own alongside my house.

Does anybody know any companies offer buildings insurance to cover leasehold garages? The garage I own is located under a coachouse a short distance away from my house and I am due to renew my buildings insurance for it, but I am struggling to find companies that provide cover.

Any help is appreciated!

huckster

What do you use the garage for ?

If it is standard household use and near to your house, best advice is to speak to a brokers, as they should know which companies are more flexible with their underwriting.

If the garage is situated under another building, are you sure that the garage is not being insured under a Buildings policy for the coachhouse in the freeholders name.

David_InsDef

If the garage appears on the deeds for your property, it would fall under most insurers' definition of 'your home' or 'the property' or definitions to that effect.

firestorm908

Thanks for the replies.

The garage is used for storage of car and other items. Unfortunately it is unless a separate title deed so isn't covered under the same policy as my house.
I've had separate insurance for this previously but have been unable to find alternative providers, so I may have a look for a local broker to help.

HappyMJ

Are you sure the freeholder or the owner of the coach house doesn't have insurance for it.

The coach house above should have buildings insurance and they should be asking you to make a contribution towards the premiums. At least that's what my leasehold says. The neighbours never asked for any money though. It was only a 1/6th share of the building insurance as it was their walls holding their house up. I was just using the space between the walls under the lease. The premium was only supposed to be about £20 per year.

portisaacproperties

I also have a property with a garage on a 999 year lease under a neighbouring coach house. Under the terms of the lease I have to pay 1/6th. of the freeholders annual buildings insurance, as does my neighbour who leases the second garage. Check your lease: it might be the owners responsibility - not yours!