specialised building and contents or not?

calleyw

As we all know prices have been rising.  I have renewnal via a broker I use.  Its £320 that includes admin fee and legal cover.  My reason for a broker is that I have tree that is approx 5m's from the house.  And it seems very few companies seem to cover you for that. 

The question is do I need specialised cover will any old company cover me?  Or am I being over cautious

DullGreyGuy

Only some companies ask about tall trees in the vicinity of the property; if they dont ask and there is no assumptions you have to agree to about trees then you would be fine to insure with another company

smudge_72

DullGreyGuy said:

Only some companies ask about tall trees in the vicinity of the property; if they dont ask and there is no assumptions you have to agree to about trees then you would be fine to insure with another company

Not sure what is classed as a tall tree.  But its not as tall as the house

DullGreyGuy

smudge_72 said:

DullGreyGuy said:

Only some companies ask about tall trees in the vicinity of the property; if they dont ask and there is no assumptions you have to agree to about trees then you would be fine to insure with another company

Not sure what is classed as a tall tree.  But its not as tall as the house

Will vary by company, for the AA they ask about trees over 10m tall within 5m of the property

James_Blonde

HomeProtect didn't ask....  I found that odd personally, as we do have trees (though they're just outside of the 5m distance / 10m height zone of concern)

DullGreyGuy

James_Blonde said:

HomeProtect didn't ask....  I found that odd personally, as we do have trees (though they're just outside of the 5m distance / 10m height zone of concern)

Its a minority that do ask but given everyone gets quotes from aggregators who have to ask the questions that all the panel want (at least all but the smallest providers) and so seems more common.