Who is held responsible for contents insurance

[HJT40]

Our new neighbours leave their windows open through the day, I assume because they think it safe because we live in a rural area. Ok so they may be misguided, but what happens if they are burgled and the burglers gain entry to our house through the loft space, as there is no fire wall? Would be be liable for our losses or should they be adequately covered? Both houses are rented, if that makes any difference.

Thanks

[BertiWooster]

You're asked when taking out insurance if the doors in your property leads to any other property or words to that effect .
An example would be if you live in a property that's divided up into separate flats .

In your example, the lack of a fire wall would be the equivalent in my example .
I would say therefore that - so long as you made the insurer aware of this when you took out the policy and they granted you insurance , then i wouldn't have thought there would be a problem .

Just my opinion

[HJT40]

Thanks for your answer. I wasn't asked about that when I took out the insurance. I wonder whether the neighbours would took offence if I mentioned it to them?

[ummmm]

No normal person would be offended. They probably haven't thought about it.

[Buenchico]

Firstly, unless you've got a few works by Monet, Picasso and Turner in your house (and you tell everyone about them) no burglar is ever going to bother accessing your house via the loft space. Most burglars want to be in and out within a few minutes; they're not going to start exploring the loft.

Your own insurance would normally cover theft via any means of access, so I can't see that you've got anything to worry about.

As I've stated, the chances of your house being burgled via the loft space are effectively nil. However the chances of a devastating fire spreading via that route (and possibly taking your life) are considerably higher. You should be concentrating your mind on introducing a fire break, rather than bothering about insurance technicalities.

Chris