What is the main difference between standard and specialist landlord insurance for a converted property?

The main difference lies in how the policy accounts for non-standard construction materials, unique architectural features, higher rebuild costs due to specialist craftsmanship, and specific risks associated with the building's original use or listed status. Standard policies are not designed for these complexities.

Why is the rebuild cost so important for my converted property?

Insurance policies pay out based on the cost to rebuild the property, not its market value. For converted or listed properties, rebuild costs can be significantly higher due to the need for specialist materials and labour. Underinsuring based on market value could lead to a substantial shortfall in the event of a claim.

What happens if I don't disclose that my converted property is a Listed Building?

Failure to disclose material facts, such as Listed Building status, is a breach of your Duty of Fair Presentation under the Insurance Act 2015. This could result in your insurer reducing the payout for a claim, applying specific terms, or even voiding your policy entirely, leaving you uninsured.

Does my landlord insurance cover wear and tear on my converted property?

No, landlord insurance policies, whether standard or specialist, typically exclude damage caused by wear and tear, gradual deterioration, or lack of maintenance. Insurance is designed to cover sudden, unforeseen events.

How can a broker help me find the right insurance for my converted property?

A commercial insurance broker like Focus Insurance Services has access to specialist insurers and underwriters who understand the unique risks of converted properties. We can help you accurately assess your needs, ensure you meet your disclosure obligations, compare suitable policies, and explain complex terms and conditions, ultimately helping you arrange appropriate and compliant insurance cover.

Landlord Insurance for Converted Properties: Barns, Churches and Unusual Buildings

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