Coach House Insurance

Cover for coach houses and flats above garages

  • Buildings and contents insurance for coach houses
  • Flats above garages also covered under contents and buildings insurance
  • Ground-floor garages under your coach house can be covered even if they’re used by someone else
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Features of our coach house insurance

Coach house cover for all purposes

Whether your coach house is your main home, holiday home, let out to tenants or used as an Airbnb or similar, we can provide buildings and contents cover through our coach house insurance.

Home insurance for ground-floor garages

We can also insure ground-floor garages under your coach house as part of the freehold, even if these are leased out for residential purposes. Therefore if your neighbours have use of a garage under your flat, we can still cover you.

Contents cover for your coach house and lower garages

We can offer insurance for your contents whether your contents are entirely within your coach house, or also in the lower floors or garages underneath.

Comprehensive and specialist coach house insurance

It can be challenging to find insurance for coach houses because of their unusual construction. As a specialist insurer, our coach house cover is designed for the specific risks of your property, such as neighbours who have a garage under your flat which is not under your control.

Coach House Insurance Claims

We recommend you report your claim as soon as possible and we have a 24 hour claims number so you can call us straight away.

Once reported, our claims team will call you back no more than 24 hours later with the next steps for your claim, hopefully we’ll get things sorted nice and quickly for you.

Need to make a claim?

Call or email us with: your policy number, a phone number to reach you on, details of your claim and photos where possible.

01708 777 710

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Coach House Insurance FAQs

What is a coach house?

A coach-house is a residence that’s over a garage, carport, set of garages or even walkways/driveways.

Why do I need special coach houses insurance?

Your coach house has different risks to an average flat or house. Some insurance companies might struggle to cover you, for instance if other people have access to your property – like neighbours who have a garage under your flat. Here at Towergate we specialise in specialist insurance, so we cover the properties other insurers don’t.

What if I've had previous claims?

We specialise in providing cover where other insurers can’t. If you've had previous claims we will still consider your case whether or not you've been rejected by other insurers. This is also handled by our Colchester team and details can be found on our contact page.

What is property owner’s liability?

Property owners liability is related to one’s legal responsibility to properly maintain property you own so it is not a danger to others. If a form of negligence connected to the property causes a third party to be injured or their property to be damaged, they may seek compensation from the property owner. Subsequently, it’s important to have insurance in place to cover this, and most home insurance policies, including our own, include this as standard.

Do you provide accidental damage insurance?

Cover for accidental breakage of glass, ceramic hobs and sanitary fittings is provided as standard. However, you can choose to increase the protection for your home by adding optional accidental damage cover to your buildings, contents or both for an additional cost.

How can I pay for my premium?

You can pay by credit card, debit card or monthly direct debit. .

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