You are probably a freeholder of a property with leasehold garages/carports or even an underpass under your living accommodation – almost like a flat over garages. It is your responsibility to insure those leasehold garages/carports – so you need a specialist insurance policy. Don’t worry too much as this is not a bank breaker – especially if you use a coach house insurance specialist. They can very affordably insure your whole property, including the lease hold garages/carports on a specialist policy to protect your legal liabilities.
The reason you have to get a coach house insurance policy is due to the fact that if the leaseholders or anyone they have in the garages/carports suffer any injuries, losses or damages at all – you are legally liable and can be sued. Normal home Insurance will not cover this risk and if your policy is not accurate and specifying the garages your insurance will leave you exposed, become void, and you could end up paying out of your own pocket any damages awarded. Coach House Insurance will cover all of that for you, including your legal expenses. Impact & Collision is also vital incase anyone damages the building with their vehicle – normal insurance would not entertain a claim like this if they didn’t even know there was a row of garages under the property!
Once your liabilities are covered, and you have the correct Coach House Insurance in place – you can rest easy that if any of the leaseholders suffer any damages, losses, or injuries as a result of the building – which you are responsible for – you are covered! If you were to make any claim in relation to the property being a coach house, on a freehold with leasehold garages – your claim would go through smoothly. If you buy incorrect cover, you can expect any claims to rejected, and your policy cancelled by the insurer for being incorrect and not meeting your needs.
At Home Shield Insurance – Coach House buildings Insurance | Coach House Insurance – we have a range of options for you. Affordable Coach House Insurance taking in to account all of your needs. All garages, carports and underpasses will be specified and included. You can call for an instant quote if you prefer – 0345 2573977.
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