Freehold house, leasehold garage insurance

Nicola1996

Hi,
I am buying a house which is freehold, and it comes with a garage that is leasehold on a 999 year lease. It is my responsibility to insure the garage, do I need to insure the garage separately to the house?
Thank you

Cakeguts

Where is the garage? It isn't in one of the coach house things is it?

Nicola1996

It is not joined to the house, but is next to it. There is a flat above it.

franklee

Nicola1996 wrote: »

It is not joined to the house, but is next to it. There is a flat above it.

That sounds like a coach house.

When I was renting my garage was under one. The setup there was a freehold house with a leasehold garage.

The owner of the coach house flat was the freeholder for the garages. They were responsible for getting buildings insurance but could collect contributions to it from the garages leaseholders.

Contents insurance for the garage was on the usual house contents insurance.

So I suggest you get hold if the lease, see what your setup is.

Then tell in insurance company see how they want to insure it.

Coach house threads:

Coach House Insurance
https://forums.moneysavingexpert.com/discussion/5661712

living in a coach flat above garages
https://forums.moneysavingexpert.com/discussion/1867671

Leased garage (Naughty neighbors)
https://forums.moneysavingexpert.com/discussion/5777080

Freehold house, leasehold garage - sign disclaimer?
https://forums.moneysavingexpert.com/discussion/5768558

Garage is apparently leasehold
https://forums.moneysavingexpert.com/discussion/4987496

New 2 Bedroom House/Flat Above 3 Garages - Why?
https://forums.moneysavingexpert.com/discussion/4819055