Building & Content Insurance
What is it?
If you have a mortgage, your lender will usually require that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed 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.
What isn’t covered?
Your cover is based on what your home would cost to rebuild. You can check whether you have enough buildings insurance through the Building Cost Information Service (BCIS) website. It has an online tool to help you calculate the sum you should insure your building(s) for, in case your home has to be entirely rebuilt.
As always feel free to contact us to we can make sure you have the right cover that fits your needs.
Protecting your family should the worst happen
Financial support if diagnosed with a serious illness
Giving you an income if you are unable to work
Protecting your business from the unexpected
Here are just some of the providers we use and have access to…