Insurance and displaced family stays in Liverpool
Insurance accommodation in Liverpool
Whole homes in Liverpool for families out of their house after a fire, a flood or an escape of water. Pets considered, schools taken into account, and the insurer invoiced directly.
Or call reservations on 0333 880 7213
The short answer
Alternative accommodation in Liverpool while your home is unusable.
If a fire, a flood or an escape of water has made your house unliveable, your policy almost certainly pays for somewhere else while it is repaired. That is called alternative accommodation, and it is what we provide in Liverpool: a whole furnished house or apartment, for as long as the works take, with the bills included and the invoice going to the insurer or the loss adjuster rather than to you. We deal with adjusters regularly and we know what they need in writing. Liverpool is the largest of the cities we run properties in, and the centre is compact enough that a central base reaches the commercial district, the waterfront and the Knowledge Quarter on foot.
Called a few different things
You will see this called several things and they all mean the same. Insurance accommodation Liverpool, alternative accommodation, displaced family accommodation, emergency accommodation, temporary accommodation after a flood or fire, loss of use accommodation, or simply what the policy calls alternative accommodation. If a loss adjuster has asked you to find somewhere, this is the page.
What the first week is actually like
Two hotel rooms, a microwave and the school run, for four months.
That is what usually happens first, and it is nobody's fault: the insurer needs somewhere immediately and a hotel is what is available at nine at night. It stops working within about a fortnight. A family needs a kitchen, separate bedrooms, somewhere to put the things that were salvaged and a school run that has not doubled. It suits you if:
Where you would be
Staying near your own life in Liverpool.
Staying inside the same school run
In a long claim the postcode matters far less than whether the children can carry on at the same school. Liverpool's residential suburbs sit in a band to the south and east: Aigburth, Mossley Hill, Allerton, Childwall, Wavertree, West Derby and Woolton. Moving within that band usually keeps the school run intact. Moving across the city to somewhere that looks similar on paper usually does not.
Council boundaries that are easy to miss
Liverpool stops sooner than most people expect. Crosby, Waterloo, Maghull and Formby are in Sefton, Huyton and Prescot are in Knowsley, and anything across the water is Wirral. A few miles can put you under a different council, which changes school admissions and which authority you deal with for everything else. On a claim running six months or more, that is worth getting right at the start.
Space, parking and a garden
The city centre is almost entirely flats, so a family that needs three bedrooms and somewhere for the children to go outside ends up in the suburbs rather than in town. The older terraced streets of the inner south have on street parking and residents' schemes, while the outer suburbs mostly have driveways. With two cars and a skip sitting outside your own house, that difference gets noticed quickly.
How long a claim actually runs
Drying, strip out, a schedule of works and then the trades themselves rarely fit the first estimate anybody gives you. Escape of water claims in particular have a habit of starting at six weeks and finishing somewhere past six months. Liverpool is a manageable city to live in for that long, but it is better to plan for the longer version from the beginning than to move twice.
The school run by car here
From a temporary address you will probably be driving children who used to walk. Queens Drive is the ring road and it is slow in both directions at half eight, Smithdown Road and Menlove Avenue are the other pinch points, and the streets outside primary schools fill a quarter of an hour before the bell. Ten minutes on a map is twenty five in term time.
Where everything you own goes
After a fire or a flood you either arrive with almost nothing or with the contents of a house in boxes. Liverpool's terraced streets rarely have garages and the loft tends to be the only storage, while the outer suburban semis often have both. If the insurer is holding your furniture, find out where it has gone, because across town and across the county are not the same answer.
Keeping the rest of the routine
The school is the obvious thing to protect. The rest of it matters more than anyone expects once the months stack up: the same swimming baths, the same Saturday morning pitch, the same barber, the same walk to the shops. Liverpool is compact enough that staying within the same half of the city usually keeps all of that intact without the whole family renegotiating its week.
Weekends out of the house
A property full of dehumidifiers is not somewhere anyone wants to spend a Sunday, and a temporary one you did not choose is not much better. Calderstones and Croxteth Country Park are both a short drive from the southern and eastern suburbs, the coast at Crosby is twenty minutes north and Formby is a little beyond it. Having somewhere to send everybody keeps a long claim bearable.
Booking direct
The same property, without the platform's cut.
Our properties are on Airbnb and Booking.com as well, and you are welcome to book there. Booking direct also avoids the guest service fee the big platforms add on top, which on a longer Liverpool stay is not a small number. Booking with us direct also means you are talking to the people who actually run the property rather than a message thread inside an app, which matters when you need an early check-in or an extra week.
Message reservations rather than booking online, and tell us the postcode you have come out of and which school or work you need to stay near. We will tell you honestly what we have close to it and what we do not, and we will deal with the adjuster directly from there.
In every property
What is actually there when you arrive.
Liverpool questions
What people ask about staying in Liverpool.
Which part of Liverpool should I be in?
Most of what you would need day to day sits in the city centre, the Baltic Triangle, the Georgian Quarter and the waterfront. Tell us where you need to be each morning rather than which postcode you fancy, and we will be honest about what is close to it and what only looks close.
Can I park in Liverpool?
Parking in the centre is paid and mostly multi-storey, and the residential streets around the Georgian Quarter are permit zones. If you are driving daily, ask about the specific property before you book rather than assuming, because it varies street by street here more than it does in a purpose built block.
How easy is it to get around Liverpool without a car?
Lime Street puts Manchester at thirty five minutes and London at just over two hours, and the airport is twenty minutes by car.
What is there to do in Liverpool on a day off?
The waterfront, the two cathedrals, the Baltic Triangle and the Georgian Quarter are all walkable from a central base, and the Wirral, Crosby beach and Formby are half an hour out. Liverpool is an easy city to have a day off in, which matters more on a long stay than people expect.
Questions we get asked
What families and adjusters ask us.
Will the insurer pay you directly?
In almost every case, yes. We invoice the insurer or the loss adjuster on their terms, with the dates, the address and the claim reference, so you are not putting months of accommodation on a credit card and waiting to be reimbursed. Give us the adjuster's details and we will take it from there.
How long can we stay?
As long as the works take. Claims like this commonly run three to nine months and we would rather book you for the realistic length than move you twice. If the schedule slips, which it usually does, extending is a message.
Can we bring the dog?
Some properties take pets and some do not, so ask early rather than at the end. It is one of the most common reasons a hotel stops working for a family and one of the easiest things for us to solve if we know at the start.
We need to stay in the same school catchment.
Tell us the school and the postcode rather than the city. That is the constraint that actually decides this, and we would rather say we have nothing close enough than put you somewhere that adds forty minutes to every morning.
Check availability
Tell us the postcode you have come out of.
Message reservations with the postcode, how many of you there are and whether there is a pet, and we will tell you straight away what we have near you.
Reservations, seven days a week, on 0333 880 7213