As the owner of a country home you need to be sure that it is adequately insured and that the cover is the widest available, without any doubts of being under-insured. It is likely that your country home will be set in large grounds, often several acres, with stables and outbuildings*. And it might be a listed building or even thatched, where you may have no say in the scope of any repairs. So for peace of mind, you need to know that, in the event of a claim, the policy will provide a payment that will not leave you out of pocket.
We have access to a number of leading companies and underwriters who provide rural insurance and High Net Worth cover, but you don’t have to be a millionaire to qualify. With country home insurance, understanding how much worth you actually have can be a challenge ie antiques, fine art, jewellery and collectors’ items – it is important to get these items properly valued.
In addition, our panel of insurers will not just leave you to make your own assessment. They will help you to ensure that the sum insured is adequate, so that distinctive or unusual architectural features are included in the valuation and don’t get overlooked.
Wordings may vary between insurers. However, the Home is generally deemed to include outbuildings and tenant’s improvements, including interior decorations; fitted furniture; fitted appliances and climate control systems; swimming pools, ornamental fountains and ponds; hard tennis courts; terraces, patios, driveways and footpaths; walls, gates fences, and hedges; underground service pipes, cables, sewers and drains; domestic fuel tanks; externally fixed radio and TV aerials, satellite dishes, their fittings and masts.
The insurance is on All Risks basis and full details will be found in your policy document or policy summary. Again, wordings may vary but you may expect cover for Architects’ & Surveyors fees; Site clearance & making the Home safe; The additional cost of complying with government or local authority requirements after the operation of an insured peril; Alternative Accommodation; Trace & Access costs; Garden re-landscaping after certain perils; Temporary removal of fixtures for repair / restoration; Upgrade of security after physical assault; Special alterations to home necessitated by accidental injury; Interested parties – Bank etc will be joint policyholder; Buyer’s interest – policy benefit to contracting purchaser.
*Note: insurance cover is provided for stables and outbuildings only and does not cover horses or other livestock per se (livestock cover can be provided under another specific policy).
If you would like to know more, please complete our enquiry form or alternatively email us and a member of our team will respond directly or you may prefer to telephone us on 01228 584346 – we are happy to discuss any aspect with you in confidence and with no obligation. We can provide quotations for buildings and contents together or separately. Most of our clients prefer the combined option.
Note: Small craft, second homes, residential letting properties and holiday homes abroad or in the UK can be covered under the same policy.
By choosing H&H Insurance Brokers to arrange your insurance we want you to know that you will receive the following levels of service:
All the team here at H&H Insurance Brokers would like to wish everyone a very Happy Easter and to stay safe and well.
As we continue the national lockdown, another repercussion of Covid-19 is that some of our British dairy farms are being forced to dump thousands of litres of milk as the redirection of milk from the hospitality sector to the retail market takes its toll.