• Bed and breakfast premises that are paying business rates.  
  • Contingent buildings policies, such as those held by banks.  
  • Farm outbuildings.  
  • Freeholders/leaseholders deriving commercial income by insuring large numbers of properties for a portfolio.  
  • Housing association’s residential properties.  
  • Multi-use properties under commercial or private ownership.  
  • Residential ‘buy to let’ properties that do not meet the criteria specified above.  
  • Static caravan site owners when they are being used for commercial gain.  
  • In the case of blocks of residential flats, company houses/flats, and social housing contents only can be covered.