Speak to us about home insurance

If you’re thinking about reviewing your home insurance or are currently in the process of moving home then speak to us today.

We can discuss your requirements on the type of insurance you need and what you want to cover.

Every now and then, we’d like to send you information promoting our services that are relevant to you. Submitting your details tells us that you’re OK with this and that you also agree to our privacy policy.

You can unsubscribe at any time by clicking the link in the footer of our emails. For information about our privacy practices, please visit our website.

See what our customers say

What does home insurance cover?

Insuring your home against fire damage

If you have buildings and home contents insurance in place, you’re likely to be covered for anything that’s damaged or destroyed in a fire. Both policies usually cover fire damage as standard, so there’s no need to buy additional cover.

Home insurance in high-risk flood areas

Each year, thousands of people across the UK have to deal with the consequences of damage caused by flooding. If you live in a flood-risk area, it’s important to know what the effect on your home insurance could be.

Weather and storm damage insurance cover

Stormy weather is a feature of UK winters, with gales causing around £300 million worth of damage each year, according to the Met Office.

Insurance for subsidence

It can be a homeowner’s worst nightmare, but you can protect yourself from some of the financial impact of subsidence by making sure you have the right home insurance cover.

FAQs

Buildings insurance:

Buildings insurance covers the physical structure of your property, which includes the roof, walls and floors.

It also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility).

Contents insurance:

This covers the items inside your home, such as your furniture and clothes.

It covers anything within your home that you could remove and take with you to another property – so your clothes, furniture, fridge and television (carpets are also usually included). There are some exceptions to this rule, so always check what’s included in the definition of ‘contents’ in your policy booklet.

In short, no as they aren’t legal requirement. However, it’s always advisable to have both. It means you have protection for your property and belongings in case something unexpected happens.

If you own your home and have a mortgage, then your mortgage provider may insist you have buildings insurance in place for the length of your mortgage. You can buy this insurance from any provider, not just your mortgage provider.

It’s essential to have the right type of home insurance for your particular situation;

  1. If you own your own home, you’re responsible for both buildings and contents insurance;
  2. If you’re renting, then buildings insurance is usually the responsibility of your landlord, but it’s advisable to have contents insurance to protect your personal belongings;
  3. If you’re a landlord you’re responsible for buildings insurance to cover the property you own and rent out. If you rent out a furnished property, you can also take out contents insurance to cover your belongings against damage or theft;
  4. If you have a holiday home, both buildings and contents insurance can be more expensive than regular home insurance. This is because holiday homes are often left unoccupied, meaning problems like a burst pipe might go undetected for longer and cause more damage.

There are several simple things you could consider to help cut your home insurance costs:

  1. check you have the right amount of insurance;
  2. look at combining buildings and contents insurance into one policy;
  3. increase your voluntary excess;
  4. build up your no claims bonus;
  5. install a security system.

One of our advisers will be able to go through the different options with you and help you get the insurance you need while helping you save money in the process.

Speak to us about home insurance

If you’re thinking about reviewing your home insurance or are currently in the process of moving home then speak to us today.

We can discuss your requirements on the type of insurance you need and what you want to cover.

Every now and then, we’d like to send you information promoting our services that are relevant to you. Submitting your details tells us that you’re OK with this and that you also agree to our privacy policy.

You can unsubscribe at any time by clicking the link in the footer of our emails. For information about our privacy practices, please visit our website.

FAQs

Buildings insurance:

Buildings insurance covers the physical structure of your property, which includes the roof, walls and floors.

It also includes any permanent fixtures and fittings, such as your kitchen and fitted wardrobes. Outside structures, like fences, garages and sheds are usually covered too, as are pipes, cables and drains connected to your home (provided they’re your legal responsibility).

Contents insurance:

This covers the items inside your home, such as your furniture and clothes.

It covers anything within your home that you could remove and take with you to another property – so your clothes, furniture, fridge and television (carpets are also usually included). There are some exceptions to this rule, so always check what’s included in the definition of ‘contents’ in your policy booklet.

In short, no as they aren’t legal requirement. However, it’s always advisable to have both. It means you have protection for your property and belongings in case something unexpected happens.

If you own your home and have a mortgage, then your mortgage provider may insist you have buildings insurance in place for the length of your mortgage. You can buy this insurance from any provider, not just your mortgage provider.

It’s essential to have the right type of home insurance for your particular situation;

  1. If you own your own home, you’re responsible for both buildings and contents insurance;
  2. If you’re renting, then buildings insurance is usually the responsibility of your landlord, but it’s advisable to have contents insurance to protect your personal belongings;
  3. If you’re a landlord you’re responsible for buildings insurance to cover the property you own and rent out. If you rent out a furnished property, you can also take out contents insurance to cover your belongings against damage or theft;
  4. If you have a holiday home, both buildings and contents insurance can be more expensive than regular home insurance. This is because holiday homes are often left unoccupied, meaning problems like a burst pipe might go undetected for longer and cause more damage.

There are several simple things you could consider to help cut your home insurance costs:

  1. check you have the right amount of insurance;
  2. look at combining buildings and contents insurance into one policy;
  3. increase your voluntary excess;
  4. build up your no claims bonus;
  5. install a security system.

One of our advisers will be able to go through the different options with you and help you get the insurance you need while helping you save money in the process.

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