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Difficulty insuring my mother’s cottage now she is in a home

vigman
vigman Posts: 1,399 Forumite
Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
in Insurance & life assurance

I need some urgent help please. I went to reinsure my mother’s building insurance with the AA. I explained she was now in a home but a family member lived in her home for two weeks every month. They said they would treat this as unoccupied and couldn’t insure it.
Checking out other insurance sites they all assume it is your own home and there is no option for insuring someone else’s even though I have POA? Same applies to all comparison sites

Contacted BIBA but they will only proceed if I give a quote on a rebuild value. This is a period stone 2 bed terraced cottage with Stonesfield slate roof with a value of £500,000. I have no idea how to calculate the rebuild value?

I only have a few days grace to do this, all while suffering from pneumonia so any help getting this insured welcomed! TIA

Any information given in my posts or replies is intended to be of interest and/or help to members of the forum. I cannot guarantee that this is accurate or up to date.
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Comments

  • Keep_pedalling
    Keep_pedalling Posts: 22,844 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    For that sort of arrangement landlords insurence would be more appropriate. Speak to a broker.

  • Neil49
    Neil49 Posts: 3,489 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    Try someone like Endsleigh or LV for landlord insurance

  • user1977
    user1977 Posts: 19,589 Forumite
    Eighth Anniversary 10,000 Posts Photogenic Name Dropper

    Checking out other insurance sites they all assume it is your own home and there is no option for insuring someone else’s even though I have POA?

    You should be competing the forms in your mother's name, insuring her own property. You're probably causing confusion if you're trying to insure in your own name.

  • Woodstok2000
    Woodstok2000 Posts: 1,069 Forumite
    1,000 Posts Second Anniversary Name Dropper

    You can calculate rebuild cost here: https://www.moneysavingexpert.com/insurance/home-insurance/calculating-rebuild-costs/

  • vigman
    vigman Posts: 1,399 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    If the property is not being rented out then please can I query why landlord’s insurance would be the right type of policy please? (Insuremy suggested holiday home insurance?)

    Also why is it impossible to buy insurance for someone else’s property as all online forms assume it is your primary residence . There are no options to insure as POA.

    Any information given in my posts or replies is intended to be of interest and/or help to members of the forum. I cannot guarantee that this is accurate or up to date.
  • vigman
    vigman Posts: 1,399 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    https://forums.moneysavingexpert.com/discussion/comment/81906498#Comment_81906498

    Thanks, understood. But even if I do there is no way of explaining she won’t be living there but a family member will be for 2 weeks every month. I talked toLV but they call this status unoccupied and don’t deal with that.

    Any information given in my posts or replies is intended to be of interest and/or help to members of the forum. I cannot guarantee that this is accurate or up to date.
  • Keep_pedalling
    Keep_pedalling Posts: 22,844 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic

    Because the part time resident is not the owner. Is there any reason you are not selling?

  • vigman
    vigman Posts: 1,399 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    https://forums.moneysavingexpert.com/discussion/comment/81906609#Comment_81906609

    We are about to sell. I just need the build insured until it does sell. Thanks

    Any information given in my posts or replies is intended to be of interest and/or help to members of the forum. I cannot guarantee that this is accurate or up to date.
  • Ms_Chocaholic
    Ms_Chocaholic Posts: 13,511 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    edited 2 March at 11:31PM

    Try Adrian Flux, they offer unoccupied home insurance and I've used them

    Thrifty Till 50 Then Spend Till the End
    You can please some of the people some of the time, all of the people some of the time, some of the people all of the time but you can never please all of the people all of the time
  • jem16
    jem16 Posts: 19,870 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    https://forums.moneysavingexpert.com/discussion/comment/81906647#Comment_81906647

    Imsued HomeProtect to insure my Dad’s house whilst it sold. It was unoccupied apart from the odd week.

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