Coach Home Insurance
- Underwritten by AXA Insurance
- We cover customers that other companies won’t
- Average quote time is only 10 minutes
More information
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.
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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
Emergency help when you need it most
If you have a home emergency — such as a power outage, uncontrollable leak or a broken lock — our 24/7 Home Emergency cover is included as standard.
- We aim to get an engineer to you within four hours
- For serious water leaks, we’ll try to have a plumber with you in two hours
Response times may vary during extreme weather. Policy terms and claim limits apply.
5 star rated cover
Our insurance has received the highest rating from independent financial researchers, Moneyfacts.
Repair guarantee
We guarantee any buildings work we arrange after a claim for two years. Contents repairs are guaranteed for one year.
New for old
Where we replace a damaged or stolen item, we’ll do our best to match the original — on a ‘new for old’ basis. If that’s not possible, we’ll offer a suitable alternative or a full cash settlement.
Legal support when you need it
Family Legal Protection is included as standard. You’ll have access to expert telephone legal advice on personal matters under the laws of the UK and most of Europe.
What isn’t covered?
There are some things we can’t cover, including:
Gradual damage, wear and tear, or issues you knew about but didn’t fix
Faulty design, construction, or workmanship.
Damage caused by poor maintenance or neglect
Items you don’t own or aren’t legally responsible for
Items stolen from unoccupied vehicles
Damage caused by pets.
Mechanical or electrical breakdown
Keeping your home and belongings in good condition is essential. If damage happens because of neglect or poor maintenance, your claim may be declined, and your policy could be cancelled.
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*Survey data of 1,089 buying customers from 30th October – 12th November 2024
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.
Buildings cover
Protects the main structure of your home, including attached garages and conservatories, and permanent outdoor features such as patios, driveways and boundary walls.
up to £1 million
(more cover available if you need it)
Contents cover
Protects your household contents — including furniture, clothing, appliances, gadgets and valuables — against events like fire, flood and theft. Cover is provided on a new for old basis.
from £25,000
Alternative accommodation
We’ll help cover the cost of temporary accommodation for you and your pets if your home becomes uninhabitable due to an insured event. If you stay with friends or family instead, we’ll cover your extra living costs.
up to £75,000 (Buildings)
up to £10,000 (Contents)
Home emergency
Covers sudden, unexpected emergencies — like an uncontrollable leak — that require immediate action to prevent damage or make your home secure. Two levels of cover are available, for different types of insured loss.
up to £500
Family legal protection
Covers legal costs for certain insured events. There must be a reasonable chance of success, and the incident must happen during your policy term. Two levels of cover are available, for different types of insured loss.
up to £25,000
Trace and access
We’ll pay to detect the source of a water or oil leak, and cover the cost of reinstating floors, walls or paths that were disturbed in the process.
up to £10,000
Outbuildings cover
Covers detached garages, greenhouses, sheds, summerhouses and other outbuildings within your boundary or any communal area you’re legally responsible for.
from £20,000
Liability cover
Covers your legal liability for accidental death, injury or illness to someone else, or damage to their property.
up to £5 million
Personal possessions
Covers items you wear, carry or use outside the home (e.g. clothing, bags and sports equipment).
Optional
Gadgets, bikes and valuables away from the home
Optional cover for mobile phones, laptops, tablets, watches, jewellery, hearing aids and other high-risk items you take out of your home.
Optional
Accidental damage
Optional cover for unexpected mishaps around the home — such as breakages, spillages or damage caused by you, your guests or wild animals. Two levels of cover are available.
Optional
New Customer?
If you’re deciding on whether to buy home insurance with us, you can use our latest policy booklets as a guide.
Existing Customer?
Find answers to some of your questions here. Your latest policy documents are also available to view and download.
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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