I'm not sure of the best way to get house insurance

[Guest]

It's a bit complicated and the compare the market forms don't seem to fit our circumstance. I want house insurance fir a house that I don't live in.

Its going to be up for sale once all the photos etc have been done. The house belongs to my parents (they don't want the hassle of dealing with it). One of my brothers live there pending moving out. House is 99% empty of furniture so content insurance is mot needed.

Has anyone been in this situation? Do you know who will insure?

[Julie]

My mum lived in sheltered house I know not the same but you can have separate insurance you can have building insurance or contents insurance or both together depending what you need. The compare site can do either. I used to do it for my mum but in her name.

As it's her place. I used to buy her for Christmas her contents and her travel insurance. As she didnt really need anything else.

[Amy]

I just had house insurance cancelled on me because they 'cannot insure a property that I have no financial interest in'.. So I think you'll struggle.

[Philip]

Any insurance will insure. Usually if you ask your bank they’ll have a partner who gives discount for being with the bank.

If the house is physically empty, it’ll be more expensive since it’s more likely to get robbed however since you don’t want contents it’ll balance it out.

Also, check out: Just had quote for car insurance from present company and they want over £100 more

[Kathy]

An Insurance Broker will ask all the relevant questions, & find the most competitive price. Someone living there is the main consideration. I've just done similar myself. Best wishes. Separately, insist on accompanied viewings only.

Many years ago, I knew a young couple both out at work, an accompanied viewing by Estate Agent, 2 people viewing, who separated (post on kitchen table) inside house.

Just afterwards, the hubby had a request from Royal mail, for confirmation that post was to go to a different address? (NO!) Just saying.

[Helen]

I used a specialist broker when I needed to insure an empty property that wasn't mine. It can be done just not through the usual companies/comparison sites.

[Zeta]

You have to have an insurable interest in the property ie.. your house .. if its yr parents house they need to insure it for buildings only until sold.

[Paula]

I think the OP means that she or her brother will sort insurance, but it will be in her parents name (that's how I read it anyhow).

I'd be surprised if the big companies didn't do buildings insurance (confused, moneysupermarket etc). You could always go direct to the insurers themselves, Aviva, Legal & General etc direct from their websites xx

Don't forget to take a look at: Can I have recommendations for cat insurance?

[Stormi]

Speak to an insurance agent. I don’t know if you can insure a house that isn’t in your name. If it’s going up for sale soon its going to be a lot of hassle for a few weeks of insurance.

[Marg]

I have my building insurance with one company and my contents with another.

[Maria]

Best to talk to a local insurance broker. So you get a straight answer.