Специалисты предупреждают владельцев пляжных хутов в Дорсете о риске недо страхования после переклассификации

A reclassification of beach huts as second homes could leave Dorset owners underinsured, an insurance specialist has warned. Beach huts at Mudeford Spit and Hengistbury Head now face council tax bills exceeding £1,500 a year following a decision by BCP Council to remove their tax reduction. This change is expected to generate about £211,000 in additional revenue. Stewart Barnett, director at LoveYourHut.com and the Atec Group, said: "We urge owners of beach huts in the region affected by the rate change and reclassification to review their insurance as a matter of urgency as they could find that their current policy is inadequate. "Beach hut owners need a specialist beach hut policy that protects their assets year-round from a provider that understand the unique needs of beach hut owners; after all, no two huts are the same and protection needs can vary depending on the hut's location, size, and value." The reclassification could result in underinsurance if current policies do not reflect the increased liabilities and risks associated with second home status. Owners may be tempted to reduce coverage or accept higher excesses to manage rising costs, potentially leaving them exposed to financial losses. Beach huts are vulnerable to weather damage, theft and vandalism.