Buildings & Contents Insurance

This is put in place to protect your home and the valuables within it from a number of different events such as fire or flood.

We have a range of different policies to help protect what's valuable to you.

Buildings insurance isn’t a legal requirement, but most mortgage lenders insist that you to have buildings insurance in place when you exchange contracts. However, most also arrange contents cover to protect their belongings within the home. It is important to remember that cheapest isn’t always best, especially when it comes to buildings and contents insurance!

A Buildings Insurance policy would typically cover the cost of repairing or rebuilding your home if it’s damaged from events such as storms and floods, fire, vandalism, subsidence and water damage. Contents covers all the items inside your home against theft, fire, and flood etc.

Different policies will offer different levels of cover. The more comprehensive policies will often cover the following:

•   Accidental damage
•   Home emergency cover
•   Legal expenses
•   Lower excesses
•   Specified personal possessions outside the home

If you are a landlord, it is very important that you have specific cover for the home you are renting out. This is often referred to as landlords cover and will ensure that the building is protected, as well as landlord specific contents.

It’s our professional responsibility to ensure that your home and family are protected and that you are aware of the risks involved with taking on a mortgage. We can discuss and help assess your circumstances with you to discover if buildings and contents cover is relevant for you and what level of cover would be most appropriate.

Please contact us to discuss your Home Insurance requirements.

Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

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