End terrace or semi-detached?

bertiewhite

Quick question - for insurance purposes, is an end terrace house classed the same as a semi-detached as it is only joined on one side?

How do terraced/semi's differ when it comes to premiums?

forgotmyname

No. A semi is not the same as an end terrace for most if not all insurers.

Semi would be 2 houses joined where a terrace is a row of houses.

Don't twist the facts when getting insurance otherwise your paying money and risk them not paying out.

Does it differ? Who knows it varies by street and town. Why is a 1 bed flat dearer to insure than a 4 bed house?

stator

I own an end of terrace and always put terraced.


I don't know if that's the right answer or not, I can see both sides.
A semi-detached house might actually be a higher insurance risk. You've got more windows and doors, and access down the side, might make it easier to break in. But then if there is a fire in your neighbours house, more likely to spread if your attached to it.

agrinnall

stator wrote: »

But then if there is a fire in your neighbours house, more likely to spread if your attached to it.

By definition a terraced house is also attached to at least one neighbour. I guess an extra risk for an end terrace over a semi is that the end terrace could be affected by a fire more than 1 house away, whereas a semi is only at high risk from the single attached property.

dunstonh

How do terraced/semi's differ when it comes to premiums?

On most modern policies, no difference with buildings insurance And certainly no difference with contents. Buildings insurance is usually the smallest chunk of any household insurance.

A terrace is a series of houses. A semi is one side of a pair.

Dangermac

bertiewhite wrote: »

Quick question - for insurance purposes, is an end terrace house classed the same as a semi-detached as it is only joined on one side?

How do terraced/semi's differ when it comes to premiums?

It's possible that you are over-complicating quite a simple matter.

It's pretty straight forward what a terraced house is. It is a house built as part of a continuous row. Every house is classed as terraced regardless of whether mid-terrace or end-of-row)

A semi-detached house is equally straight forward. It's a dwelling house built as one of a pair that share one common wall.

I would be very surprised if there was any notable difference in premium with either option.

Just give an honest and accurate answer to the question. That's the best suggestion that I can give.

If you seriously need more of an understanding between what is a terraced house and what is a semi detached house, try googling some example photographs.

DM

System

Dangermac wrote: »

A semi-detached house is equally straight forward. It's a dwelling house built as one of a pair that share one common wall.

My daughter lives at 2, Malcolm Terrace. There are only two houses in the terrace.

davidwatts

stator wrote: »

I own an end of terrace and always put terraced. I don't know if that's the right answer or not, I can see both sides.

So a detached house then?

Some sites give the specific option of "end terraced" others just "terraced". Either way, that's the accurate response rather than semi. You might get charged more for a semi simply because the insurer assumes higher rebuilding costs and contents values when calculating the value at risk (i.e. as a semi will probably be bigger than an end terrace).

Overall though, in terms of perceived risk, I doubt it would make too much difference.

dunstonh

Clifford_Pope wrote: »

My daughter lives at 2, Malcolm Terrace. There are only two houses in the terrace.

War damaged? (one or more bombed out)
Change of plan (i.e. originally planned as a terrace but changed late on).
Maybe a replacement to another property that was a terrace.
Maybe someone like the OP built it and didnt know the difference

mjm3346

Clifford_Pope wrote: »

My daughter lives at 2, Malcolm Terrace. There are only two houses in the terrace.

Street called Malcolm Terrace and a semi-detached house there?

bertiewhite

forgotmyname wrote: »

Don't twist the facts when getting insurance otherwise your paying money and risk them not paying out.

Why does everybody assume posters are always on the fiddle when asking questions on this forum? I have no intention of twisting the facts, I simply asked how insurers view the 2 types of property.

Dangermac wrote: »

If you seriously need more of an understanding between what is a terraced house and what is a semi detached house, try googling some example photographs.

I know perfectly well what the physical differences are between a terraced house and a semi - I was asking how an end terrace (with 1 adjoining wall, side access etc) differs from a semi, also with 1 adjoining wall, side access etc. FOR INSURANCE PURPOSES.

I was surprised how low my TERRACED premium was anyway, I was just curious - thanks for the answers.