“For the first time, I was refused insurance cover on our bungalow which is built on the family farm. I have always insured the house separately from the farm. I was never even asked the question before this year so wonder have insurers been influenced by recent farm accidents. Even insurers who gave me a quotation without knowing or asking about the farm connection, subsequently withdrew it when I informed them about the location of my house. Why would insurers refuse to insure farm houses and what should I do to ensure that I am covered?”

Having contacted a number of insurers and brokers, the general feedback is that there has been no change in how insurers/underwriters view farmhouses in assessing risk and placing cover.