Does a Landlords insurance claim affect my home insurance?

Does a Landlords insurance claim affect my home insurance?

15:24 PM, 17th September 2017, About 7 years ago 4

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I am going through a claim on my Landlord insurance at the moment for water damage.

My question is does the claim affect my own home insurance?

Do I have to tell my own home insurers of the claim as the insurance company who is insuring my home and landlord insurance is the same just different departments I presume?

Many thanks

Leslie


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Comments

Ashburnham Insurance

10:21 AM, 18th September 2017, About 7 years ago

Only your home insurer can answer whether they need to know about claims on your other properties. It is always best to provide all information regardless just in case something happens in the future and your are questioned as to why this claim was not disclosed. It is always ultimately up to the insurer to answer this question and up to you to be honest in providing the information they need.

Whether it will affect your home insurance will once again depend on the insurer but also the claim itself. A water damage claim is probably an isolated incident so should hopefully have little or no effect on your home insurance but if it was something like subsidence and your landlord property was next door then obviously this could have a big effect your home insurance.

user_ 12980

14:05 PM, 18th September 2017, About 7 years ago

Obfuscated Data

Jason McClean - The Home Insurer

15:35 PM, 18th September 2017, About 7 years ago

Reply to the comment left by Ashburnham Insurance at 18/09/2017 - 10:21
Hi Leslie,

Each insurer will ask individual questions. Have you made any insurance claims in the past 5 years? or possibly: Have you made any claims on this property in the last 5 years?

Answer the question truthfully each time and you will be fine. Any claims could include car/van/travel/health insurance claims as well. As long as you tell them, then you are doing the right thing and they can discount if they thing irrelevant.

The problem arises if you don't mention it and then make a claim - that could be grounds for non disclosure and a loophole for the insurer not to pay the claim.

Happy to help with your home insurance if required: 01832-735388.

Best

Jason McClean
http://www.thehomeinsurer.co.uk

user_ 12980

16:10 PM, 18th September 2017, About 7 years ago

Obfuscated Data

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