Home insurance, coach house.

Dakent89

As above, hopefully this is the right place.
I'm moving into a coach house at short notice and am trying to sort out insurance.
I only need content as its a rental property but this is proving difficult.

What insurers will insure a coach house?
Churchill, nationwide and direct line don't seem to touch them.

Anyone had an experience like this?

Thanks

InsideInsurance

For those of us that live in modern suburbia its probably worth saying what you mean by a coach house. A google images search showed a combination of detached and semi-detached proporties

Dakent89

Fully detached.
Basically a 2 bed flat above 3 garages, one garage is mine and 2 are other people's

Apologies should have made that clear

InsideInsurance

Personally I'd do quotes as a detached property and then check with the cheapest insurers/ brokers if they are happy with it.

Quickly checking with Aviva and DL's Live Chat people they both say they'd count it as a detached property.

Dakent89

Right okay that's worth bearing in mind.
Churchill told me that even though I only want contents, the fact that the garages belong to other people causes 'complications'.
Talk about fobbed off, will make some enquiries

Thanks

InsideInsurance

Dakent89 wrote: »

Right okay that's worth bearing in mind.
Churchill told me that even though I only want contents, the fact that the garages belong to other people causes 'complications'.
Talk about fobbed off, will make some enquiries

Churchill and Direct Line are one and the same so inevitably you are going to find a certain variability by advisor.

Ultimately its going to be a flat, maisonette or detached property. For contents it doesnt make the greatest amount of difference which of the ones you choose but arguably getting it defined as a 1st floor or above flat may reduce your premiums a little as you reduce the Flood risk but not completely as it still covers outbuildings contents etc.

caroldawn

curious if you have found an insurer as I am in the same boat, but I need Landlord insurance?

losgiganteskid

caroldawn wrote: »

curious if you have found an insurer as I am in the same boat, but I need Landlord insurance?

my other half owns a coach house which is let - Landlord cover with Direct Line for buildings cover - no probs