Hi everyone, I am a freeholder of a terraced house converted into 2 flats. I also own and occupy the ground floor flat. I phoned HSBC for a buildings insurance quote and they referred me to their partner, Premium Scanner, who quoted £850 premium. I also phoned Halifax and was quoted £333. The difference between the two is that Halifax is essentially covering a “terraced house” with a total of 4 bedrooms (the flats have 2-bedrooms each), where as Premium scanner is covering “two self-contained 2-bedroom flats in a converted terraced house.” My question is, should I go ahead with Premium Scanner because it is a specialist insurance provider and would therefore provide me with the correct building insurance? It’s very tempting to go for Halifax but I’m not sure about them simplifying it to just a 4-bedroom property, implying that it is owned and occupied by only one family! Also, my upstairs neighbours are planning to rent out their flat, which will make it even more complicated because the ground floor flat is owner-occupied and first floor flat will be tenant-occupied! Any comments/advice will be greatly appreciated! Thanks in advance!