wilsumer
2023-09-18 11:35:32
- #1
Hello everyone, I have a somewhat special question. It is about the regular residential building insurance. Situation:
Semi-detached house. Owner according to the land registry is my father. He lives in one half, the other half is inhabited by my girlfriend, my son, and me. Not married. My girlfriend and I have a lifetime gratuitous right of residence registered in the land registry. We have fully renovated our half at our own expense. Each "party" has taken out residential building insurance for "their" half (with the same insurance company). Each is also the policyholder according to the policy for the respective half of the house.
Now someone told us that since my girlfriend and I are not owners according to the land registry, we are basically not insured. Residential building insurances can only be taken out by owners.
Does anyone know about this, maybe also legally secure?
Thank you
Semi-detached house. Owner according to the land registry is my father. He lives in one half, the other half is inhabited by my girlfriend, my son, and me. Not married. My girlfriend and I have a lifetime gratuitous right of residence registered in the land registry. We have fully renovated our half at our own expense. Each "party" has taken out residential building insurance for "their" half (with the same insurance company). Each is also the policyholder according to the policy for the respective half of the house.
Now someone told us that since my girlfriend and I are not owners according to the land registry, we are basically not insured. Residential building insurances can only be taken out by owners.
Does anyone know about this, maybe also legally secure?
Thank you