Is your Coach House Insured Correctly?


It is essential when you take out a Buildings and Contents Home Insurance Policy, that your insurer understands exactly what type of property you have. It can be confusing when it comes to Coach Houses, Maisonettes, and Flats. According to our experience at Home Shield Insurance - there are many Coach Houses not insured correctly.


In the event of a claim – your insurance provider will go back to your policy and ensure that you have the correct policy for the property, and make sure that the event for which you are claiming is covered on the contract. If you live in a Coach House and have insured your property as something different (usually a flat) – it is likely your claim would be declined.


At Home Shield Insurance we offer a unique policy for Coach House properties which includes all of the freeholder’s liabilities towards the Leaseholds on the garages/carports and all shared driveway space. By accurately insuring your property to cover these liabilities – in any event, you would be fully insured. Our insurance is competitive, and is provided and underwritten by well-known insurance brands – household names you are bound to be familiar with. We will help you break down the cost and can advise you as to what proportion of the premium you can ask your leaseholders to contribute, and provide proof of insurance directly to your solicitor for buyers who are looking for insurance to tie in with exchange of contracts/completion of their new purchase.


November 2013 - Hayley Connolly


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