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.