Home Insurance or Buildings and Contents Insurance as it is often known is a valuable addition to any householder’s protection programme.  Buildings cover is usually compulsory as a condition of a mortgage offer whereas Contents cover whilst important is optional.

Buildings Insurance

Buildings insurance enables you to cover the cost of rebuilding your home in the event of a fire, flood, or other damage. Buildings insurance protects the structure of your home including permanent fixtures, bathroom fittings and fitted kitchens.

It is important to note that the value of your home for insurance purposes is restricted to the cost of rebuilding the house and replacing the permanent fixtures.  Often insurance companies have an “up to” figure with a cap on the maximum amount that will be paid should your house suffer an insured peril.  As with Contents insurance there are options available such as Accidental Damage and varying excesses that can be chosen.

Contents Insurance

House contents insurance as stated previously is not compulsory but advisable.

As with anything you buy you get what you pay for and the selection of the cheapest or the most basic can be a false economy so choose wisely.  Typical policies cover such things as

* Electrical Goods: televisions, videos, computers, laptops, MP3 players, phones, hi-fis etc.

* Other Goods: carpets, furniture, bed linen, towels, clothes, shoes, CD's, books, china, etc.

There are a multitude of options such as Personal Possessions, Home Emergency, Legal Expenses and Accidental Damage so take care to select the correct cover.  We can ensure that you have a tailor made policy to suit your circumstances.

For more information and a personal quotation click the link below.