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.