What do I need to know if I am a landlord?
If you rent out property and your contract states that you will provide alternative accommodation for tenants, you might also want to check that your landlord’s insurance includes it.
What about my pets and belongings?
Policies will differ according to provider so it’s important to check the details. Some insurers will cover the cost of temporarily rehoming your pets and others will also fork out for the cost of storing your belongings whilst your home is being repaired.
How much am I covered for?
That depends on what policy you’ve agreed on with your provider. Providers often have different levels of cover and this may dictate how much you can claim for alternative accommodation.
When can I make a claim for alternative accommodation if it’s under my home insurance?
You can make a claim if you’re insured for an event that has made your house uninhabitable. This could include a flood, fire, storm damage, subsidence and even vandalism. You should always check what your policy covers as insurers will all have a different opinion of what ‘uninhabitable’ actually means. In most cases it would cover:
- Loss of water
- Loss of all sanitary facilities such as toilets, showers and baths
- Loss of heating (especially during the winter months)
- Structural damage directly caused by the insured event such as a storm
Is there anything else I should consider about alternative accommodation?
You should always read the fine print of any insurance policy you take out. But before you book yourself in at the Ritz and flick through the telephone directory to find a builder – just check whether your insurer has any clauses about where you can stay or who does repairs. Some insurers like to use their own network of trusted tradespeople and calling in your best friend’s dad or your local handyman might invalidate your claim.
Now you know what alternative accommodation is, why not see if your current policy comes up to scratch? We have a range of trusted home insurance providers to help find a policy that’s right for you. So don’t risk being told there’s no room at the inn – start comparing the market today.