Shepherd Huts and Beach Huts

Do I Need Insurance For a Beach Hut?
Do I Need Insurance For a Beach Hut? 500 306 James Hallam

If you have invested in a beach hut, then it is essential that you get adequate insurance cover. Whether you rent your beach hut, or own it outright, and whether you use your beach hut for business or for pleasure, specialist beach hut insurance can give you cover for a range of risks.

Why You Need Beach Hut Insurance

As they are located directly on the seafront, beach huts can be exposed to harsh weather conditions all year round. Through the winter months, this can include high winds, freezing temperatures, and heavy precipitation.

Also, as beach huts are typically made out of wood, they are vulnerable to fire.

Finally, if you store high value items in your beach hut, there is the added risk of theft.

Insurance can cover you for all of these risks, and more.

Can Home Insurance Cover my Beach Hut?

However, your standard property insurance is unlikely to extend to your beach hut. In fact, the risks for beach huts can be so high that some insurers may be unlikely to cover them at all. This is why you will need specialist beach hut insurance to ensure you get all the cover you need.

What Type of Insurance do I Need for a Beach Hut?

Some local councils may stipulate that you need certain types of cover in place for your beach hut. For more information, contact your local council. In our experience, many councils require you to have public liability insurance up to £5 million as part of your licence. For this reason, even if you don’t own the beach hut or do not want to insure the building, we provide an option where you can take out an insurance policy covering just the contents and public liability.

What Does Beach Hut Insurance Cover?

  • Property cover – Cover for structural damage as a result of storms, flooding, or other severe weather events. It can also include cover for damages resulting from break-ins or vandalism.
  • Contents cover – Your beach hut insurance policy can include cover for any items you store within your beach hut, including furniture and sport equipment.
  • Public liability cover – If you rent out your beach hut to holidaymakers, or even if you invite guests over, public liability insurance can cover members of the public for any injuries they may sustain in or around your beach hut.

How Much Is Beach Hut Insurance?

The amount you pay for your beach hut insurance will depend on a number of factors:

  • Your hut’s location. You may have to pay more for your insurance if your hut is located in an area that is prone to flooding, or if it is in an area with high crime rates.
  • How you use your hut. Do you use it yourself, or do you rent it out to others? Do you use it purely for leisure purposes, or do you run a business from your beach hut? All of these factors, and more, can affect the price of your policy.
  • The size of your hut. A small hut will cost a lot less to insure than a large hut fitted with plumbing and cooking facilities.

You may be able to get a discount on your beach hut insurance if you:

  • Are a member of a beach hut association.
  • Take out a combined policy (i.e. buildings and contents cover on the same policy).

Get Specialist Beach Hut Insurance From James Hallam

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in getting you the cover you need at a competitive price.

We provide a specialist beach hut insurance scheme and are experts in this market. You will deal directly with our dedicated team, whether you are a new or existing customer, and in the event of a claim.

We will ensure you get full cover for your beach hut, no matter its size or location, and no matter how you use it.

Learn more about our specialist beach hut insurance and get a free quote today.

Do I Need Insurance For My Shepherd’s Hut?
Do I Need Insurance For My Shepherd’s Hut? 500 334 James Hallam

If you own a shepherd’s hut, or you are considering buying one, then it is absolutely vital that you get specialist shepherd’s hut insurance.

In this post we will explain why you need shepherd’s hut insurance, and discuss what a good policy should cover.

Will My Home Insurance Cover My Shepherd’s Hut?

Your standard home insurance policy may not extend to covering your shepherd’s hut. If the hut is not in your garden – if it is located on a separate plot of land that you either own or rent – then your home insurance certainly will not give you the cover you need.

Why You Need Shepherd’s Hut Insurance

A shepherd’s hut is a significant investment of time and money. If the unthinkable were to happen – such as a fire, a flood, or a break-in – then good insurance cover would give you some much needed protection, and the settlement you need to bounce back.

Plus, if you rent your shepherd’s hut to holidaymakers, you will face a range of risks that will not be covered by a standard property insurance policy. You may be liable for any injuries sustained on your property, for example.

For these reasons, only specialist shepherd’s hut insurance will give you the cover you need.

What To Look For In A Shepherd’s Hut Insurance Policy

  • Cover for your shepherd’s hut building, along with its contents. A good policy should also cover the hut’s chassis, and any other structures or features you add, such as awnings, firepits, showers, toilets, or hot tubs.
  • Cover for letting your shepherd’s hut, if necessary. This might include public liability insurance, which will cover you should any of your guests have an accident while renting your shepherd’s hut.
  • If you do let your hut to holidaymakers, you might also look for loss of letting income insurance. This way, if you are ever unable to let out your shepherd’s hut due to an insured event, you can be covered for any shortcomings in your income.

Important Things To Tell Your Insurer When Taking Out Shepherd’s Hut Insurance

  • The amount you paid for your shepherd’s hut, along with any additional structures, fixtures, or features you added. This will help your insurer calculate the building sum insured, which will determine how much you pay for your policy.
  • The total cost of all of your shepherd’s hut’s contents, including outdoor furniture.
  • How you use your shepherd’s hut. Is it for your own personal use, or do you rent it out to holidaymakers? If so, how often do you rent it out?
  • Your hut’s location. Is it in your garden, or on a separate piece of land? This will determine your risk profile, as a hut in an isolated field may be more vulnerable to theft, and more exposed to extreme weather conditions.

Get Specialist Shepherd’s Hut Insurance From James Hallam

James Hallam is an independent Lloyd’s broker with a dedicated team of experienced insurance professionals who specialise in getting you the cover you need at a competitive price.

We will ensure you get full cover for your shepherd’s hut, whether you use it as a home office, a holiday let, or just your own private getaway. We will cover you whether you keep your shepherd’s hut on your own land, or on a separate plot of land.

Learn more about our specialist shepherd’s hut insurance and get a free quote today.

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