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Guest house insuranceInsuring a guest house can fall between two stalls. Mainstream home insurers do not like it as it is so obviously a business. Commercial property insurers dislike it as it involves people living in the house for a long time and so brings a number of residential claims. When an insurer does not understand an insurance risk then there is usually a standard response, to increase the price. Even with the more expensive insurance it can still be hard to get the claims paid out as the claims adjustor is simply not used to a guest house. There are other oddities about a guest house. There are a large number of personal possessions, but as they belong to a number of people they are hard to ascertain what they are. There are also different people who rent rooms at different time, and the monitoring of them is not as easy as it is with an owner occupier or a long term tenant. This has meant that guest house insurance has become a very large cost for many owners and operators of guest houses, despite a relatively low number of claims. This is why it is a good idea to talk to a specialist insurer like Fresh Insurance. As a specialist in non standard property insurance, we can offer a number of features:
So if you want to get a grip on your expensive insurance, spend the next ten minutes going through the following form and talking to our representative.
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