Insurance for house with small woodland

rachk26

Got a bit lost researching this so I’m hoping someone will be able to direct me.

I’m buying a house (house is completely standard construction) with about a small patch of trees, two sides of the property line I’m not worried about however two sides face onto a public road (highways adopted) and there are overhanging branches. There’s also some overhead cables nearby. 

I want to make sure I get the right insurance to cover damages that might occur because of the trees. I will also get the trees checked over by a qualified person, but that’s likely to be a couple months down the line bearing in mind the time of year. 

Are there specific companies or policies for this type of cover? Thanks,

peewhyeff

I would suggest N.F.U. ( for smallholding, property with land etc).

user1977

Is it actually outside the scope of "normal" policies? I don't remember seeing questions about number etc of trees, just whether they are close to the house. Normal risks will cover you for a claim for negligence etc from neighbours / passers by.

MyRealNameToo

user1977 said:

Is it actually outside the scope of "normal" policies? I don't remember seeing questions about number etc of trees, just whether they are close to the house. Normal risks will cover you for a claim for negligence etc from neighbours / passers by.

It comes down to the nuances of the exact definitions in the policy book. Certainly some will have an issue with a non-continuous property as per the OP with a road dividing the property into two. They may also check what use the land is stated as having thats not continuous to the main dwelling may not be domestic/residential 

For example an old Aviva policy declares your land to be the open area and land inside outbuildings which is inside the boundary around your home. The OP's second patch of land is outside that boundary. 

XRS200

rachk26 said:

Got a bit lost researching this so I’m hoping someone will be able to direct me.

I’m buying a house (house is completely standard construction) with about a small patch of trees, two sides of the property line I’m not worried about however two sides face onto a public road (highways adopted) and there are overhanging branches. There’s also some overhead cables nearby. 

I want to make sure I get the right insurance to cover damages that might occur because of the trees. I will also get the trees checked over by a qualified person, but that’s likely to be a couple months down the line bearing in mind the time of year. 

Are there specific companies or policies for this type of cover? Thanks,

Are these trees within your garden?

user1977

MyRealNameToo said:

user1977 said:

Is it actually outside the scope of "normal" policies? I don't remember seeing questions about number etc of trees, just whether they are close to the house. Normal risks will cover you for a claim for negligence etc from neighbours / passers by.

The OP's second patch of land is outside that boundary. 

It might be, but that's not how I read the OP.

rachk26

Thanks all, sorry wasn’t very clear. Yes all trees are within my garden in one plot. There are roads along two of the boundaries which junction on one corner of the boundary.

I’d thought NFU only did smallholding so will try them. Maybe I should just try a normal insurer by the sounds of it - I just assumed they might not cover larger plots. The trees aren’t close to my property, it was purely a “branch falls on a car” type scenario I was worried about. 

Thanks again

XRS200

I don't recall any insurer asking what size the plot is.

Have a read of the thread about the garden shed, and the cost of dealing with trees.

dunstonh

I’d thought NFU only did smallholding so will try them. 

NFU does home insurance with a load of bolt-ons and coverage for things you would expect in many rural properties. 

Maybe I should just try a normal insurer by the sounds of it - I just assumed they might not cover larger plots. The trees aren’t close to my property, it was purely a “branch falls on a car” type scenario I was worried about. 

But some wouldn't cover you or be limited whilst others may.   There is no such thing as "normal".   You need to think more along the lines of extreme budget, budget, standard and comprehensive.  Those are not official classifications but more a case of how you could personally classify different plans.   

MyRealNameToo

XRS200 said:

I don't recall any insurer asking what size the plot is.

Have a read of the thread about the garden shed, and the cost of dealing with trees.

Regular Home insurance covers domestic situations, potentially with a lodger too. 

Arguably a "smallholding" has some form of agricultural use beyond purely domestic which can cause a problem if trying to use regular home insurance but its unclear if the OP truly has a smallholding or just a very big garden including an area with trees. 

XRS200

MyRealNameToo said:

XRS200 said:

I don't recall any insurer asking what size the plot is.

Have a read of the thread about the garden shed, and the cost of dealing with trees.

Regular Home insurance covers domestic situations, potentially with a lodger too. 

Arguably a "smallholding" has some form of agricultural use beyond purely domestic which can cause a problem if trying to use regular home insurance but its unclear if the OP truly has a smallholding or just a very big garden including an area with trees. 

What do lodgers and smallholdings have to do with the OPs question?