not a house insurance

rockchick113

I live in a old semi detached farm house,the house next door belongs to the farm, on the deeds both building are under the farm name,only the house we live in has a house number now,as the other house was taken of the council tax register 20 years ago due to it being derelict. There is no gas or electric or water to the property. It was last lived in in the 1950s.
Now with it being attached to our main house I make sure the roof and walls are kept OK as to not affect our house. Inside is used as storage and a bit of a workshop for me.Not for Business, just hobbies type stuff.
The question is how do I go about getting insurance on just this part of the house,in the past I've had insurance just using the farm name hoping to cover both properties,I've been warned against this,so I need to find a insurance to cover the property..

dacouch

Do you own it?

Is it a working farm / small holding that you run?

rockchick113

dacouch wrote: »

Do you own it?

Is it a working farm / small holding that you run?

Yes we own it, no not a working farm.

dacouch

What reason have you been warned against insuring the current way?

Is it due to the adjacent property not being structurally sound and / or weather tight?

Does the adjacent property appear on your deeds as part of your home?

rockchick113

dacouch wrote: »

What reason have you been warned against insuring the current way?

Is it due to the adjacent property not being structurally sound and / or weather tight?

Does the adjacent property appear on your deeds as part of your home?

The property is structurally sound outside roof walls doors windows etc, inside is just a mess, not that matters, I don't want to do it up,just keep using as I do now storage etc. it is on the deeds. It's says both propertys know as ********* farm. I've just been concerned that if anyone breaks in or anything else happens, the insurance will not psy out because it's not part of the main house.
I alway put on insurance the farm name first then our house number hoping that will cover both..

dacouch

saxonman wrote: »

The property is structurally sound outside roof walls doors windows etc, inside is just a mess, not that matters, I don't want to do it up,just keep using as I do now storage etc. it is on the deeds. It's says both propertys know as ********* farm. I've just been concerned that if anyone breaks in or anything else happens, the insurance will not psy out because it's not part of the main house.
I alway put on insurance the farm name first then our house number hoping that will cover both..

If you do not allow for the full costs to rebuild it when arranging cover you may have problems.

You may also have problems with some standard Insurers who give a blanket cover due to the way they are set up to cover standard properties.

If I were in your shoes I would be looking to use NFU as they will have numerous clients (Both farmers and non farmers) with similar properties.

They're an exceptionally good Insurer but not the cheapest.

If you find NFU out of your price range, try a local broker if your in a farming area or otherwise try a broker who specialise in farm insurance.

rockchick113

dacouch wrote: »

If you do not allow for the full costs to rebuild it when arranging cover you may have problems.

You may also have problems with some standard Insurers who give a blanket cover due to the way they are set up to cover standard properties.

If I were in your shoes I would be looking to use NFU as they will have numerous clients (Both farmers and non farmers) with similar properties.

They're an exceptionally good Insurer but not the cheapest.

If you find NFU out of your price range, try a local broker if your in a farming area or otherwise try a broker who specialise in farm insurance.

Maybe a broker is the best way to go.

dacouch

Try NFU first as it's really up their street, they can be incredibly cheap on some customers.

They're likely to ask you similar questions about the deeds as I have to establish if the other property is part of your home.

David_InsDef

dacouch wrote: »

If you do not allow for the full costs to rebuild it when arranging cover you may have problems.

You may also have problems with some standard Insurers who give a blanket cover due to the way they are set up to cover standard properties.

If I were in your shoes I would be looking to use NFU as they will have numerous clients (Both farmers and non farmers) with similar properties.

They're an exceptionally good Insurer but not the cheapest.

If you find NFU out of your price range, try a local broker if your in a farming area or otherwise try a broker who specialise in farm insurance.

Surely if the adjoining structure appears on the deeds as a property in its own right - it's considered an unoccupied semi detached property for insurance purposes?

dacouch

David_InsDef wrote: »

Surely if the adjoining structure appears on the deeds as a property in its own right - it's considered an unoccupied semi detached property for insurance purposes?

It's potentially a complex area, the deed shows the two properties (Which the OP appears to own both) as being known as XYZ farm.

I've dealt with a few similar cases as this situation is not that uncommon. A farmer sells his land to the neighbouring farmer leaving a farmhouse and outbuildings and / or an adjoining labourers cottage and a few acres of land. My sister has a similar set up.

I've either placed them with high net Insurers such as Hiscox or Chubb or passed them to NFU.

The additional buildings tend not to be what a standard insurer would class as a normal property eg as not really habitable and / or structural sound.

Hence my recommendation he tries his local NFU who will pop out and view the property and importantly give an advised sale

David_InsDef

dacouch wrote: »

It's potentially a complex area, the deed shows the two properties (Which the OP appears to own both) as being known as XYZ farm.

I've dealt with a few similar cases as this situation is not that uncommon. A farmer sells his land to the neighbouring farmer leaving a farmhouse and outbuildings and / or an adjoining labourers cottage and a few acres of land. My sister has a similar set up.

I've either placed them with high net Insurers such as Hiscox or Chubb or passed them to NFU.

The additional buildings tend not to be what a standard insurer would class as a normal property eg as not really habitable and / or structural sound.

Hence my recommendation he tries his local NFU who will pop out and view the property and importantly give an advised sale

Sage advice.