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building insurance

  • TurboB
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5 years 8 months ago #456253 by TurboB
building insurance was created by TurboB
please recommend me a company to try...i''ve been told that I can only have a policy in my name only if i live in the home i''m trying to insure. I don''t live in my former marital home, so what company will give me a quote on this basis?

cheers

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  • rubytuesday
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5 years 8 months ago #456275 by rubytuesday
Replied by rubytuesday on topic Re:building insurance
If anyone is able to make a personal recommendation, can they please send the details in a PM to TurboB.

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5 years 8 months ago #456287 by TurboB
Replied by TurboB on topic Re:building insurance
if the property is not your main home, there appears to be little in the way of options.

Please PM me.

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  • Gillian48
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5 years 8 months ago #456298 by Gillian48
Replied by Gillian48 on topic Re:building insurance
Do you rent the property out? My parents have a property they don''t live in but they do rent it out and they easily got buildings insurance.
If you don''t rent the property out is it empty?

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5 years 8 months ago #456310 by TurboB
Replied by TurboB on topic Re:building insurance
no i dont rent it out. Its the FMH so the ex lives in there until things are finalized, but I own it. I live eslewhere.

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5 years 8 months ago #456333 by Gillian48
Replied by Gillian48 on topic Re:building insurance
When you were both living there I presume you had buildings insurance ? Could you not just keep that policy going and explain to the insurance company you still own the property but currently do t reside there.
Have you been given an idea of how long this problem is going to take to get resolved? If you own the property there''s no reason you can''t get building insurance - I don''t own the property I live in a relative does they have buildings insurance on the property I pay for contents insurance.
There is never any issue for them getting building insurance or hasn''t been as far as I''m aware??
I would ring the company that the buildings was insured with when it was the MH and explain that you''re temporarily not living there but want it insured still just for buildings and tell them you''re the owner.

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5 years 8 months ago #456358 by TurboB
Replied by TurboB on topic Re:building insurance
The issue is that for ''normal'' cover, the residence has to be your main one. If you don''t meet this condition, you wills struggle to find even standard cover, unless you go down the specialist landlord like cover route.

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