I own a flat in a Victorian that has been divided into two, with the owner-occupier in the upstairs flat and with my tenants in the ground floor flat. It is challenging getting joint buildings insurance policy as it seems insurance is either meant for a landlord or for an owner, but not both. I imagine landlord insurance is separate as they want you to buy whole lot of other stuff.
Any solutions or ideas? Do I just call and speak to the companies directly?
Who owns the freehold and what does the lease say about your insuring obligations?
Lansdown Insurance Brokers of Gloucester have helped me in the past with buildings insurance
You are right to persist in trying to get a whole buildings insurance policy since, if you are successful, there will be only one excess to pay.
Thank you. After calling various insurers they basically said it will have to be 2 policies and when claims arise they agree (ie fight it out!) with each other.