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Outbuildings topics

Outbuildings
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Are my outbuildings covered?
Comprehensive Outbuilding Coverage In general, yes! Moreover, Intelligent Insurance values your outbuildings and includes them in the quote process. Standard coverage extends up to £30,000 for each outbuilding, ensuring protection for these auxiliary spaces. Tailored Building Insurance Furthermore, for those requiring additional coverage, Intelligent Insurance offers the flexibility to extend building insurance beyond the standard limit. This allows homeowners to customise their coverage according to the value and usage of their outbuildings. Policy Date Considerations For policies purchased before 01/12/2018, note that coverage for each outbuilding is up to £10,000. It’s essential to be aware of the specifics related to your policy date to ensure accurate information during the quote process. Information Required To provide the best coverage, Intelligent Insurance will inquire about the type of outbuilding structure, its construction, and its usage. This detailed information allows for a precise assessment of your outbuilding insurance needs. Defining Outbuildings Understanding that an outbuilding is a structure separate from the main home, used for domestic purposes, is crucial. However, this definition excludes certain structures, such as those open on one or more sides, those lacking a permanent foundation, treehouses, inflatable buildings, or structures made from non-rigid materials. Summary By delving into these specifics, Intelligent Insurance aims to offer tailored coverage, ensuring that your unique outbuilding requirements are met with precision and care.
What is considered an outbuilding?
Understanding Outbuildings Outbuildings are auxiliary structures on your property like sheds, garages, workshops, and summerhouses. They serve various purposes, from storage and vehicle protection to spaces for hobbies and relaxation. Key Functions: Sheds: Store garden tools and outdoor equipment. Garages: Protect vehicles from weather and theft. Workshops: Space for DIY projects and hobbies. Summerhouses/Greenhouses: Relaxation or plant cultivation areas. Insurance Considerations The function and contents of these structures dictate their insurance needs. Tailored coverage is crucial to protect against damages or losses, ensuring both the outbuilding and its contents are safeguarded. Summary Selecting and insuring outbuildings wisely enhances your property’s value and utility, protecting your investment in the long run.

Home Insurance Specialists names you can trust

We work with experienced and established insurers to give you peace of mind that your home is protected

Allianz Insurer
Intelligent Insurance | Panel Member | Arkel
Intelligent Insurance | Non-Standard Home Insurance
Intelligent Insurance | Prestige Underwriting Services Panel Member
Intelligent Insurance | Panel Member | AXA
Intelligent Insurance | Panel Member | Pen Underwriting

Intelligent Advisory Services Limited is registered in England and Wales (Reg. No. 07839423).

Address: 4 Lakeside, Headlands Business Park, Salisbury Road, Ringwood, BH24 3PB

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Intelligent Insurance and Intelligent Insurance Complete Home are trading names of Intelligent Advisory Services Ltd and is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 624474. You may check this on the Financial Services Register by visiting the FCA's website or by contacting the FCA on 0800 111 6768. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s)