coach house insurance
What is a coach house?
A coach house – also known as a carriage house – is a residential space situated directly above a car garage or carport. They were originally designed as specialist spaces to allow for horse carriages to be parked under properties.
Coach houses are typically attached to a regular home and owned by the freeholder of the entire building, which may be a homeowner or landlord.
While they are no longer designed or built for their original purpose, carriage houses remain a popular living space – often rented out by landlords looking to make use of the extra space above a garage or storage area.
what is coach house insurance?
Coach house insurance offers the benefits of standard home insurance to those who own or rent a carriage house. At Homeprotect, we are happy to quote for building and contents insurance for coach houses, subject to restrictions.
If required, Homeprotect can tailor its policy to protect your unique property and our home insurance is underwritten by AXA.
What’s covered by coach house insurance?
Coach house insurance provides financial protection if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the property itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately, so the first step is deciding which option is better for you.
What we offer
Quick home emergency response times
Have a home emergency, such as electricity failure, faulty locks or vermin infestation? With the 24/7 Home Emergency cover, which we provide as standard, you can typically get an engineer at your home within four hours. And if you’re worried about an uncontrollable leak in your home, we aim to have an emergency plumber to you within two hours.
Extreme weather conditions may extend response time. Policy terms and claim limits apply.
5 star rated buildings cover
Our building insurance has been given the highest rating by independent financial research companies, Defaqto and Moneyfacts.
Any buildings work we undertake is guaranteed for 24 months following a claim and any contents repair work we undertake is guaranteed for 12 months.
New for old
Where we replace an item, we will do our best to meet the original specification on a ‘new for old’ basis. If we can’t find an exact replacement, we’ll offer you a suitable alternative, or a full cash settlement.
We provide Legal Protection cover as standard, giving you access to telephone legal advice on any personal legal issue, under the laws of the UK, any European Union country, the Isle of Man, Channel Islands, Switzerland and Norway.
What isn’t included?
Damage cause gradually, or by wear and tear, or by failure to fix a known issue.
Faulty design or poor workmanship.
Damage caused by pets.
The cost of repairing or replacing items following a mechanical or electrical fault.
coach house Insurance Cover Levels for buildings & Contents
Our coach house insurance is designed to protect your home against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
Covers the main structure of your home if you need to rebuild or repair it.
up to £1 million
(eligibility criteria applies)
Covering the value of all your possessions in the home, on a new for old basis.
For you and your pets, in case you can’t live at your home while it’s being repaired after an insured event.
up to £85,000
Covers emergencies that occur in your home like uncontrollable water leaks, electricity failure, faulty locks and vermin infestation. Two levels of cover are available.
up to £500
Family legal protection
Provides a 24/7 legal advice helpline and up to £25,000 cover for claims involving contract disputes and property damage. For a claim to be successful, there must be reasonable prospects (more than a 50% chance) of winning the legal case. Two levels of cover are available.
up to £25,000
Trace and access
Covers the cost of detecting the source of a water or oil leak and repairing any damage caused in the process.
up to £10,000
Covers rebuild or repair of your outbuildings (such as detached garages, greenhouses, sheds and summerhouses).
Liability cover involving accidental death, bodily injury or illness or property damage that you are legally liable to pay.
up to £5 million
Cover for portable items that you take out of your home, like bags, clothes and sports equipment
Gadgets, bikes and valuables away from the home
Cover for electronic gadgets (e.g. mobile phones, laptops, tablets etc), bikes (including electrically assisted bikes) and valuables (e.g. watches and jewellery) that you take out of your home.
Covers situations when unexpected accidents happen, such as spillages on the carpet, breakages around the house or drilling through hidden pipes. Two levels of cover are available.
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Your Questions Answered
Coach house cover protects homeowners against insured events such as fire, storm, flood, escape of water, theft, malicious damage, subsidence, landslip or heave.
While there is no legal obligation to take out any form of house insurance, it can protect your building, contents or both if the worst happens.
Coach house insurance premiums are calculated considering the perceived risk to the provider – based on the value of the home and its contents and the level of cover required.
This means there is no standard policy cost and premiums will reflect the value of cover provided.
However, coach house insurance should not typically be more expensive than standard home insurance (relative to the size and value of the property), despite being a non-standard constructed home.
Coach houses are typically considered a ‘non-standard constructed home’. Homeprotect can quote for coach houses as part of a standard home insurance policy, subject to restrictions.
When requesting a quote for coach house home insurance with Homeprotect, please choose the property category that best describes your home, such as detached house, semi-detached house or terrace.
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