Buildings And Contents Insurance Is Still So Difficult To Find!
If you own a coach house you will need a policy that will insure the whole property including all the garages, your own garage (freehold) and those on Leasehold to neighbours. These are usually on lease on a 999 year Peppercorn Leasehold. You must include the Legal Liability cover you need to protect your liabilities as freeholder to the leaseholder's, whilst insuring the whole building including the garages on lease. Coach House Insurance must include but not be limited to: • All Perils - these are things like Fire, Storm Flood etc.. including Escape of Water • Impact and Collision - This covers the property should anyone hit the building with a car - such as a slight miss when driving into a garage! • £2m Property Owners Legal Liability, which is the part of the policy that protects your legal liabilities to the leaseholder. • Accidental Damage - this is optional, and covers things like a spillage on the sofa, and DIY disasters. • Personal Possession Cover - this is also optiona...