Buildings & Contents Insurance

 

Buildings Insurance

 

What's it for?

If you have a mortgage, your lender will insist that your property and therefore their security is protected by buildings insurance. It usually pays out if your property is damaged or destryed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.
If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

 

Contents insurance

What's it for?

It covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home, and also items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident.
We can help you get the best deal for your circumstances.