Cluster house the same as a semi detached?

Exile28

For the past few years I've been insuring my home with home insurance brought online. All the insurance companies and price comparison sites don't list cluster home as an option. As the title suggests is a cluster home the same as semi detached or even terraced from a home insurance point of view? 

Thanks!

JGB1955

I would have classed it as a terrace - you have 2 immediately 'touching' neighbours.  You need to talk to the insurance company before signing up.

Exile28

JGB1955 said:

I would have classed it as a terrace - you have 2 immediately 'touching' neighbours.  You need to talk to the insurance company before signing up.

Thanks for the speedy response. Will that mean I loose any online only discount?

JGB1955

Exile28 said:

JGB1955 said:

I would have classed it as a terrace - you have 2 immediately 'touching' neighbours.  You need to talk to the insurance company before signing up.

Thanks for the speedy response. Will that mean I loose any online only discount?

I don't know... you could phone them as a 'prospective client' and ask them the question....without giving anything away.

Neil49

I've never come across the phrase Cluster House.

Can you clarify the layout in relation to adjoining properties. Are you talking about terraced houses or are the properties constructed in a square block meaning that you have adjoining properties linked to both a side wall and an end wall? 

p00hsticks

Neil49 said:

I've never come across the phrase Cluster House.

Can you clarify the layout in relation to adjoining properties. Are you talking about terraced houses or are the properties constructed in a square block meaning that you have adjoining properties linked to both a side wall and an end wall? 

There was a discussion on this topic over on the house Buying board earlier this month - also called 'quarter houses' apparently, and quite common in Scotland

https://forums.moneysavingexpert.com/discussion/6228965/what-is-a-quarter-house/p1

Exile28

Neil49 said:

I've never come across the phrase Cluster House.

Can you clarify the layout in relation to adjoining properties. Are you talking about terraced houses or are the properties constructed in a square block meaning that you have adjoining properties linked to both a side wall and an end wall? 

A quarter house is not a bad description. Imagine a large house split into four quarter homes (each with their own stairs, bathroom, kitchen, entrance). The house was built like this and hasn't been converted.

glennevis

My friend owns one of these in the Highlands and describes it as a four-plex. You could ask your insurance company if they recognise that description.

Neil49

Exile28 said:

Neil49 said:

I've never come across the phrase Cluster House.

Can you clarify the layout in relation to adjoining properties. Are you talking about terraced houses or are the properties constructed in a square block meaning that you have adjoining properties linked to both a side wall and an end wall? 

A quarter house is not a bad description. Imagine a large house split into four quarter homes (each with their own stairs, bathroom, kitchen, entrance). The house was built like this and hasn't been converted.

In that case I would agree with the OP that such a style of building doesn't come up in the list of options in house insurance and comparison sites. I've just got a number of quotes for house insurance and nothing like it ever came up. 

sheramber

several for sale here
https://www.onthemarket.com/for-sale/cluster-house/hertfordshire/

fira

Known in Glasgow as a four-in-a-block. I've lived in one for many years (upper quarter, right). My contents insurance is always easy i.e. under property details I choose 'apartment' then 'first floor'. The four homes are factored and buildings insurance for our block is arranged by the factoring agents.