Slightly non-standard house insurance query

olops

We're about to buy a house which has a separate flat, with own entrance in an extension at the back. It even has its own council tax. etc. For now we're happy to have the current tenant stay on. However, this seems to complicate the house insurance slightly:


When I add the lodger in the 'compare the market' quote engine the cheapest quote is from 'Home Protect' but I get an endorsement: 'refusal to cover unless signs of a forced entry '. Apparently this is quite common for lodger type situations. I don't think this is particularly applicable in this scenario as this is not a lodger in my house but in an entirely separate living space with its own lock, entrance, etc. I guessed this was to do with contents insurance and, sure enough, when I did just buildings there was no such endorsement.


A couple of other quotes I looked at wouldn't cover the scenario at all when I looked at the qualifying assumptions (family members only).


So my idea was to go with Home Protect for Buildings Insurance - where I need the whole property covered but to go for someone else for Contents Insurance for our home - I don't after all want to cover someone else's contents.


This is a bit more expensive but this way I don't get the endorsement.


Does this all this seem fair enough?


I'm basically just working wound the inflexibility of the quote engines but I suppose we are buying a non-standard property.

jonesMUFCforever

Go through a broker.