Buildings and Contents Insurance
Buildings insurance is a legal requirement that is needed to be in place for the duration of your mortgage. Rebuilding part or all of your home would be expensive, so buildings insurance can offer peace of mind that these costs may be covered.
Yes, we need to know what material your home is made from, as it has a bearing on the price of your home insurance. For example, homes with a timber-frame or an asphalt roof have a higher risk of catching fire, so we may have to charge a higher price to insure them, if we can even insure the property at all.
Yes all of our quotes are valid for 6 months.
Buildings insurance provides essential financial protection for the structure of your home. This includes cover for damage to your walls, windows, roof fixtures and fittings. Buildings insurance can help with the cost of repairs or the rebuild of your property due to flooding, fires and theft. Whereas contents insurance Contents insurance: If you were to tip your house upside down, anything that hits the ceiling would be classed as contents. Furniture, jewellery, valuables, electronics, furnishings and everything in between replacing these items if destroyed, damaged or stolen could be very financially impacting that’s why it is very important to insure your contents.
Every provider will have a different stance on this type of situation and our experienced advisers will be able to assist you to find a provider that your property would fit with.
The key perils that the majority of insurers provide cover for are
Damage to part of or all of your home due to:
What’s not covered?
Most insurers would not cover certain circumstances such as the below.
- Gradual wear and tear, such as leaky guttering
- Fences damaged by storm
- Deliberate damage by your client, their family or anyone living with them
You would need landlords building insurance in this situation, we can provide cover for this as well.
You’ll need contents insurance for your own belongings, such as clothes, gadgets, furniture or televisions. You may also be partly responsible for insuring the building if your tenure is freehold or share of freehold.
Your excess will determine what price you will have to pay in the process of making a claim. It varies depending on the type of claim you’re making, and how much voluntary excess you agreed to when you bought your insurance.
Excesses will also have an effect on your final premium, the higher the excess is the lower the premium will be and visa versa.
You will simply only have to make a call to the claims team at your provider then you can relax. They will take care of everything. There are no forms for you to complete. They will help to make the process quick and hassle-free. Their dedicated claim handlers will support you through the process and they can organise all repairs or replacements.
