[faith0504]

how does everyone insure there properties? is there a small holdings policy or is it just residential insurance? is land and barns in with insurance? or separate?
the mine field of insurance!!!!!!!!!!!!!!!!

thanks so much

[doganjo]

Don't know if the situation is different now and across the UK, but our croft of 22 acres was normal house insurance.  They included the barns and sheds, and said it didn't matter how much land we had.  I think the fencing was included for accidental damage by machinery but not animals.

[gavo]

Our farm and residence are insured separately but they are also on separate deeds just in case something terrible happens; losing the farm would be bad but the roof over our heads a disaster.

[plumseverywhere]

worth checkign with individual insurerers as to what they offer. we are with nfu mutual (not surprisingly, hubby works for them) and they are pretty good.

[JulieS]

I'm with NFU too.  They will tailor a policy to suit you. 

[Hilarysmum]

We had the pigs included specifically in ours 

[bazzais]

We are with the FUW and if they are like any other of the farming union's I wouldn't think twice about using anyone else. I have been so pleased with the service and the 1 to 1 contact.

We phoned our local office and were put in touch with our local rep, he came round the farm, had a look over the buildings and possibilities of costs of claims then gave us a simple price.  Although I have never had to make a claim, I feel that I would be covered in any eventuality without the insurance company trying to weasel out of it (like they do) as we have had the broker on our side to create an honest opinion of risk, someone who has assessed the property and seen what we have.

On a separate note and one which I found surprising, I moved out of a terrace house before I moved to the farm here.  I decided to keep the old terrace house and rent it out to tenants - its actually cheaper for me to insure as a rental than when I was a live in landlord?  You'd think that it would be the other way round wouldn't you??

Ta

Baz

[faith0504]

thats really interestin as we are renting this house out when we move, its strange though how insurance is cheaper as a landlord, but thanks for that