Home insurance typically comes in three forms; Buildings Insurance, Contents Insurance and combined Buildings & Contents Insurance.

Buildings insurance covers the structure of your home, for example walls, windows and roof.  Also covered are the permanent fixtures and fittings such as baths, toilets and fitted kitchens, whilst contents insurance covers the possessions within your home.  These covers can be taken separately or combined.

Typically, buildings insurance cover pays out in the event of theft and a range of other unforseen events such as flooding, fire and explosions. 

Most policies also cover for accidental damage, but often this comes with an additional premium.

Insurance is something most people don’t even want to think about until they need it the most.  Understanding what is and isn’t covered in your homeowners insurance policy can be the difference of being able to rebuild your home and replace your personal belongings, if the worst were to happen, or not.  Homeowners need to do annual insurance policy “check ups” to make sure they keep up with local building costs, home remodeling and inventories of their personal belongings.

Home insurance generally pays out a lump sum amount, based upon the value of a claim.  All mortgage providers insist that a client has Home insurance prior to taking a loan, secured against their property, and that it remains in place during the lifetime of the loan.  Even without a mortgage, we highly recommended your property and possessions are insured against loss or damage from theft, accidental damage and/or unforeseen circumstances, such as flooding, fire and explosions.

As previously mentioned, buildings insurance is a mandatory cover for all clients who have a mortgage secured against their property, whether it be residential or Buy to Let.  

If you don’t have a mortgage but you own your home outright consider the consequences if your house was to burn to the ground.  How would you replace your home and your contents?  Where would you and your family live?  We can help you protect your home and your contents and in turn protect you and your family.