Every stately home across the UK is unique. Its individual characteristics are what make it so special and if you manage or own a stately home, you’ll be aware of the many costs and financial considerations involved. The beauty of such a property and owning one is a real privilege, but it doesn’t come without difficulties. The unique and special nature of stately properties means very specific and tailored stately home insurance is a must. Many insurance companies simply won’t cover this kind of property, whereas others have dedicated heritage and historic buildings teams who specialise in exactly that.
What is a Stately Home?
This question can be a tricky one to answer. The term “country house” and “stately home” are often used interchangeably. Historians in particular are wary of using such terms. However, some country houses have an appearance which is designed to blend in with the surroundings. Others have a grand and “stately” appearance giving meaning to this title. Almost all country homes, listed buildings and historic properties need specialist insurance of some kind.
Stately homes often have special considerations to keep in mind when it comes to repairs. Specialist insurers understand this and will be able to work with you and approved surveyors where necessary, to ensure any repair work or fixing damage is done to the specifications provided in any listing documentation or similar. Traditional building methods may be necessary to ensure the heritage of the property, for example.
What does Stately Home Insurance Cover?
Stately home insurance mostly pertains to the building and outbuildings that make up your property. Insurers will look at the risks and costs involved in repairs due to said risks. Stately home insurance usually covers your buildings, land and contents, including specialist features of your property.
If your stately home is also a business and you use it in this context, you will also need additional insurance in place. If you have operations that are open to the public, you will need additional liability insurances. What’s more, if your property is used for fishing, shooting or similar activities, you can get cover for this too.
Compare Stately Home Insurance with Just Quote Me
Stately home insurance is a very specialist type of cover. With this in mind it makes sense to work with people who have experience in this field to find the best quotes for your property. At Just Quote Me we specialise in helping people find and compare quotes suitable for their home or business.
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When looking for a new home insurance policy or arranging your insurance for the first time, there are some considerations to keep in mind. Exploring home insurance quotes online is a great place to start so you can get a good feel for your options and at Just Quote Me we can help out too. First though, keep these considerations in mind so you can make the right decision when exploring your quotes.
Building and Rebuilding Costs
As a homeowner, buildings insurance is almost always a necessity. Most mortgage companies will not approve your application without buildings insurance in place. It provides protection should something terrible happen to your home such as flood or fire damage. Buildings insurance requires you to estimate the rebuild cost of your home. It is best to get expert advice for this to ensure you do not overestimate and end up paying too much for this part of your insurance.
Contents and Valuables
Working out how much home insurance you need is essential for getting the right amount of cover. We can help you with this and there are various contents calculators online too. Underestimating your contents value can be devastating should you need to make a claim.
What’s more, if you have specific valuables then they may need specific insurance such as valuable items cover or gadgets cover, dependent on the items in question. If you itemise your contents clearly, you can be sure you have the cover you need. Your policy may also have a single-item limit and you need to check this covers your most expensive possession.
Accidental Damage Cover
Not all basic buildings insurance policies include accidental damage cover, so you should be sure to take a look at all policies in depth before choosing. Accidental damage would cover incidents such as cars crashing into your home or damage to the drains or pipes, or even windows. It is important to check policies in full before committing to anything, so you can be sure you have cover should the worst happen.
Considering your Excess
A higher insurance excess typically means your premium price is lower. This can be useful if you don’t plan to claim for low amounts and are only keeping the insurance in place for significant claims. It is important to weigh up the cost of your excess against the monthly or annual premium you are hoping to budget for.
Home Insurance Quotes with Just Quote Me
Just Quote Me work with many homeowners on a daily basis helping to organise their insurance and talk through their requirements and options. We work with individuals living in regular homes as well as those in specialist properties such as stately homes.
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You can compare cheap home insurance with Just Quote Me today. Use our online quote form or call us on 0800 084 2325 today.
Home insurance is a significant investment which cannot be avoided. Your home is probably the most expensive thing you own and therefore it needs and deserves protecting. The right home insurance is entirely dependent on the type of property you live in and what you want to spend. Comparing the home insurance market helps to ensure you get the best value policy for your needs.
You will find great variation in what home insurance policies offer so taking the time to go through a proper comparison ensures the best product for your circumstances. You can compare home insurance with Just Quote Me with ease.
What is Home Insurance?
It probably seems like a very basic question but there are different elements to a home insurance policy.
Buildings insurance is cover for the physical fabric or makeup of your home, including its fixtures and fittings. It protects this part of the home against disasters and events such as fire, storm and flood. Almost all mortgage providers will expect you to have buildings insurance before giving you approval.
Accidental damage and unforeseen emergencies are not usually covered by standard buildings insurance. You may need to look into home emergency cover as an addition to your regular policy.
Contents insurance refers to cover for your possessions within your home. The things you take with you when you move into a new property such as your furniture, kitchen appliances, home entertainment systems and similar. It will also cover valuables up to a stated limit.
As with buildings insurance, contents insurance varies from provider to provider. Not all people choose to have both policies together, but this is a common option. When you compare home insurance you can look at the best value way of getting both types of insurance.
Compare Home Insurance with Just Quote Me
Just Quote Me has provided guidance and quotes for home insurance to many people. We can help compare home insurance quotes to help you find the right one for your property. Get in touch today or fill out our callback form to hear from one of our advisers very soon.
Thatched cottages and similar properties are highly sought after and wonderful to live in. However, this kind of home does come with added risk and you need specific and specialised thatched home insurance for peace of mind and to protect your property. News stories appear every month of devastating fires in thatched homes, and should the worst happen, you want your financial investment protected at the very least.
Specialist Thatched Home Insurance
Thatched cottages and houses require specialist insurance focused on the thatching itself. Thatched roof and thatched home insurance will focus on protecting the property against fire, storm and accidental damage. Some policies may also protect against flooding.
A thatched home insurance policy will also include everything you would expect from a regular home insurance policy such as building and contents insurance. You may find slightly different terms due to the specialist nature of your property, but you can look at these before settling on any policy.
Buildings and property owners’ liability insurance may be something else to consider. Some policies incorporate this, and it protects against things such as subsidence, debris removal charges and surveyors’ fees.
Thatched Roof Insurance
The focus for thatched home insurance is of course the thatching of the roof. Specialist insurance is almost always needed for these homes. Thatched homes are “non-standard” which means they usually cannot be covered in a standard home insurance policy.
The evident and clear risk of fire increases with a thatched roof. Similarly, the re-build costs should a fire occur are also higher.
Owning a thatched property comes with additional costs and unfortunately higher insurance premiums is one of them. Investing in this kind of property is a risk but for many it’s their dream home, so this is completely understandable.
Many thatched properties are also classed as listed buildings. This again may increase their premiums because of their significant historical interest. Knowing all of this before you invest in a thatched property helps avoid any unwelcome surprises further along the way.
Specialist Thatched Home Insurance with Just Quote Me
Just Quote Me employs a team of insurance specialists. We work with many different types of homeowner to secure the best insurance for every customer. The quotes available for thatched properties are less than standard homes. However, there is still plenty of scope for choice and finding the right policy for your property. Contact us today to find out more.