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building insurance

  • TurboB
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16 Feb 15 #456253 by TurboB
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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

  • rubytuesday
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17 Feb 15 #456275 by rubytuesday
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If anyone is able to make a personal recommendation, can they please send the details in a PM to TurboB.

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17 Feb 15 #456287 by TurboB
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if the property is not your main home, there appears to be little in the way of options.

Please PM me.

  • Gillian48
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17 Feb 15 #456298 by Gillian48
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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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17 Feb 15 #456310 by TurboB
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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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17 Feb 15 #456333 by Gillian48
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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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18 Feb 15 #456358 by TurboB
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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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