Case Study: Delivering home insurance for a newly converted barn

Tailored insurance for unique homes

Challenge

This client was referred to Nick Beckingham, one of our Private Client brokers who specialises in complex property risks and bespoke solutions, from Renovation Plan – specialists in renovation insurance cover. The client had recently completed the conversion of an agricultural barn into their main home and received the Practical Completion Certificate, meaning cover was needed urgently.

Nick acted quickly, completing the fact-find within two hours of receiving the enquiry. Key details included.

• Property had been underpinned as a precaution during works
• Client planning to run a dog boarding and walking business from the home
• Up to £15,000 of contents (tack, garden tools, ride-on mower) were stored in an outbuilding

Our Approach

Nick quickly presented a quote on our Howden Elite Home Insurance policy, which offers all-risks cover with no inner-limits on outbuilding contents and the flexibility to accommodate business use. The client accepted the quote along with a complimentary desktop valuation which would make sure the client building sums insured was correct – an increasingly important step given rising rebuild costs. You can read more about this in our article: The importance of a professional valuation

Outcome

• The client appreciated the speed of response and understood the potential uplift in sums insured and premium following the desktop survey.
• They were also happy to share details of their commercial insurance, with an introduction to our Commercial team scheduled.

Key Takeaway

This case highlights the importance of speed and flexibility when dealing with non-standard property risks. By acting quickly and leveraging our Elite Home policy’s adaptable cover, we were able to provide comprehensive protection for a newly converted home. It’s a clear example of how our Private Client team delivers tailored solutions that go beyond standard insurance.