I wonder if anyone has any bright ideas...
We're in the process of buying a property. It's amazing, our forever home, but at present we have ties that mean we can't live there full-time. Another couple of years and we should be able to. We love the house though, it's in an area we really like and it would be hard to find another like it.
However, it is a bu**er to insure. It is on the waterfront - right on it, the tide comes up to the rock it's positioned on. However, it's quite high and hasn't flooded in at least thirty years. One of the boundaries is a 14 foot high 16th century wall and although it's in decent nick and we'll obviously keep an eye on it I think we should probably have public liability insurance just in case a bit falls off onto the path below. That wall is attached to what the estate calls a folly and the survey calls a 'ruinous outbuilding' but is in fact the remains of a castle - only a small one.
The quotes we have had for insurance are well into four figures and I wondered whether anyone else had a odd or unique property and could recommend a broker?
Many thanks