Leading Home Insurance Designed for Coach Houses

CoverBuilder is a leading provider of coach house insurance, new build or older. Our policies provide full cover for the whole building. This is whether the ground floor of your property consists of garages, carports or simply parking spaces. This can provide you and your leaseholders with full peace of mind the correct cover is in place.



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Freehold coach house insurance with leasehold garages

If you own a freehold coach house with leasehold garages we are able to provide insurance for you. This means that the garages below your property may be owned on a lease by your neighbours. However, you still hold the freehold for the whole building and are responsible for insurance. You are therefore eligible for one of our policies. The buildings element of a policy will cover your building in its entirety. This includes your home and the garages beneath.

However, contents cover will only apply to the contents that belong to you. Items owned by the leaseholders and stored in the garages will need to be covered separately by their owners.


Freehold coach house insurance with leasehold garage

Freehold coach house with leasehold garage insurance

Property rebuild cost

Calculating a building’s rebuild cost needs a buildings rebuild cost calculator. Learn more about why using an appropriate figure for your rebuild cost is essential to avoid underinsurance. 

Why not use our inbuilt rebuild cost estimator?

We have a direct link to the BCIS rebuild cost estimator in our quote system. This suggests an estimated rebuild cost for you to use in your insurance quote.


Why it’s difficult to find buildings insurance for coach houses

Coach houses can be difficult to insure with standard insurers because of their unusual construction. There is seen to be a higher risk at this kind of property. This is because the garages that are usually situated on the ground floor are not under the sole control of the homeowner. They are therefore more at risk of damage.

An example could be if the leaseholder of one garage were to store a flammable liquid such as petrol in there. The risk of a fire breaking out and causing damage to your property as a whole is increased.

Fortunately, modern Coach Houses are usually built with top fire prevention materials so the risk is minimal. Insurers such as CoverBuilder are happy to provide full coach house insurance.


The definition of a Coach House

A Coach House is a property that is situated above a row of garages or carports. There are usually around 3. The owner of the upstairs flat will generally own the freehold for the whole building. They were originally designed to allowed horses and carriages to be securely kept under a property at night. The coach house is once again rising in popularity due to its space saving design.

The freeholder that lives in the property will usually have the use of one of the garages. The others, however, will be leased to neighbouring properties on long-term leaseholds.