Buildings insurance for life interest property with no tenancy agreement - recommendation for insurer?

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We own MIL’s house after an equity release type arrangement many years ago. She has a life interest but no tenancy agreement. We’re finding it difficult to find a buildings insurer. They want us to jump through a lot of the commercial landlord requirements, like an electrical safety certificate etc. In reality this is just her house that we’re guaranteed to get on death. She insures the contents but we have to do the building. Has anyone found any good insurers in these circumstances?

If she signed the house over to you and still lives in it, then you are, in effect, her landlord/lady. Therefore, you’re responsible for obtaining buildings insurance as a landlord. It’s absolutely right that the relevant regulations for tenants should be followed.
In addition, you need to consider IHT implications and deprivation of assets should she need care in the future.

Thanks. The purpose of the arrangement was not to dodge care home fees but I understand that it might be an issue at some point in the future.