Comprehensive Buildings & Contents Insurance
With access to a broad range of products, our knowledgeable and experienced team are here to recommend the best solution for you.
Buildings & Contents Insurance
From the moment you exchange contracts, your mortgage lender will require the property to be adequately insured and we are here to help you find the best product that meets your lender’s needs.
We can also look at the options available for content insurance, should the worst happen after you move in and you need to mitigate any loss.
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More About Buildings & Contents Insurance
Buildings Insurance
Buildings insurance is there to make sure the structure of your home is protected and far from just being a requirement of mortgage lenders, buildings insurance covers the full reinstatement cost in the event of damage that falls within the policy scope.
Contents Insurance
Your home is more than just bricks and mortar. It’s the result of years of hard work; a place where memories are created, and a home for valued and treasured possessions. Making sure you have the right insurance for your home could provide real peace of mind.
Your Questions Answered
What level of buildings insurance do I need?
Buildings insurance should be sufficient to cover the reinstatement or rebuild value of the property. This is generally detailed on a valuation report provided by an independent assessor.
Do I need to have buildings and contents insurance?
What does buildings insurance not cover?
Every policy is different, however generally buildings insurance will not cover things such as wear and tear, frost damage to outside pipes and brickwork and storm damage. Deliberate damage is not covered as are claims where you have not lived at the property for an extended period of time (around 30-90 days).
You should read policy exclusions carefully to fully understand what you are and are not covered for.
Are all my valuables covered by my contents insurance?
Generally, content insurance policies will have a single item upper limit meaning you may need to pay extra to cover specific items that exceed this as well as things such as cameras or jewellery that you take out of the home.
In addition, your policy may not cover things such as the content of a freezer, for example. As with all insurance policies, the levels of cover do vary and you will want to be clear on exclusions as well as any policy excess.
Do I need contents insurance if I'm renting?
No, you do not need contents insurance if you are renting. However, it may be a good idea as whilst your landlord should have adequate buildings insurance in place and any contents insurance for their items, this will often not extend to items belonging to tenants.
Should I consider buying buildings and contents insurance together?
It can be a good idea to buy buildings and contents insurance together because many insurers will offer a discount on a dual policy.
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