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Time and time again worried customers contact us asking about getting home insurance for properties with trees. Many of us have heard the modern myths about how it raises the price of your home insurance but what is the actual truth to insuring properties with trees? Our quick guide sets the story straight.
It is a common misconception that damage from trees in close proximity to your home can raise your home insurance price because of a risk from fallen branches. We’re happy to say that, at Everywhen at least, this is not the case. Our range of home insurance policies will cover you for this as standard, and we won’t raise the price.
So even with a forest in your back garden, the cover from our standard and non-standard insurance products will keep you protected against tree damage of this kind, even during bad weather and storms.
In some cases however trees can put your home at risk, but not from branches, or even from falling over. It’s from the roots underground. Roots can push against foundations or grow underneath them and over time this can weaken and even move the foundations or the house itself. This is one of the causes of subsidence.
Subsidence is the movement of the ground that causes structural damage to the building. Properties with subsidence may need to have serious structural repairs or be underpinned to rectify the damage caused.
For an insurer, previous subsidence at a property can be a concern and if there have been previous issues, they may want to ask questions about the proximity of trees to your property. In fact, at Everywhen,when quoting for properties with previous subsidence this is the only time any questions of trees in the grounds will even be asked!
So while some insurers will raise the premium just for having trees, at Everywhen, we only need to know this information if there has been previous subsidence. In these cases we will use our specialist expertise to arrange a fair quote based on the extra risk taking into account things like the last time there was any issue and the maintenance and preventive work already done.
For more information on the cover Everywhen can provide for your property, visit our home and property insurance webpage.
While there’s no one-size-fits-all answer as the cost of cover can vary greatly depending on a range of factors we have pulled together this helpful guide, to take a look at the typical price range of the different types of plumbers insurance so you know what to expect.
Whether it’s a holiday home, a weekend retreat or an inherited family property, it’s important to make sure it’s properly protected. Second home insurance is designed to do just that.
However, whether it’s a property that you keep for yourself, share with friends and family, or rent to guests, a holiday home often comes with additional considerations and costs.
