Buildings & Contents Insurance

Protect your property and the things that make it a home

 

Buildings insurance is there to help cover the cost of repairing damage to the physical structure of your property - including plumbing and electrics - whilst contents insurance provides protection against the loss, theft or damage of your personal and home belongings. They are available as separate policies, or can be combined into a single home insurance policy which sometimes works out cheaper.

Buildings insurance does not cover gradual wear and tear, nor does it negate the need for regular home maintenance. It is instead there to cover you for things that you could not reasonably have predicted, or that are beyond your control, such as a flood, fire or storm damage. Each policy is different however, so it is important to familiarise yourself with the terms.

Most mortgage lenders will require that you have buildings insurance. It is also important to note that the home you are buying becomes your legal responsibility from exchange of contracts, not completion, so you should arrange for your buildings insurance cover to start from then.

Book a free consultation with one of our friendly advisers to discuss your options.

 

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