Home Insurance
There is no place like home
Expert Insurance Advice
Building Insurance
For freehold homes building insurance is a must. Cover for the building up to the reinstatement value.
Content Insurance
Cover your contents in case of fire, burglary or accidental damage. Phones, bikes and other items taken outside the home.
Non-Standard
Non-standard home insurance would cover listed buildings, building works, previous flooding or subsidence.
Home Insurance Cover
Taking out appropriate home insurance is a way of safeguarding your home and your belongings against whatever life might throw at you.
What is home insurance?
Home insurance is a insurance cover for the property you reside in. It can cover building, content or combination of both. It protects your house and possessions in case of accidental damage or crime.
What are the different types of home insurance policies?
There are two types of home insurance cover:
Building insurance
Building insurance is extremely important if you own your home on a freehold basis. It covers the cost of structural damage to your home including fixings and fittings such as walls, floors, pipework or electrics. It would also include fitted kitchens and bathrooms.
Content insurance
Content insurance covers you against loss or damage due to fire, flooding, water leakage, theft or other similar issues. Content insurance is recommended if you own high-value items, such as watches, jewellery or works of art. The cover can include the items to be taken outside.
Benefits of home insurance policy
- Building cover to reinstate the building in case of the structural damage
- Repairs guaranteed for 12 months
- Accidental damage cover to fixed glass and sanitary fittings
- Replacement of lost or stolen keys
- Trace and access of leaks, and removal and replacement of any damage caused
- Damage cover to plants and shrubs in your garden
- Alternative accommodation
- Items replaced on a new for old basis
- Cover for accidental damage to fixed glass, ceramic hobs, televisions, video and audio installations, computer equipment and games consoles
- Replacement cover for business equipment
- Home emergency cover – round the clock assistance for a range of domestic disasters
- Legal expense cover – Access expert advice if you find yourself in a legal dispute and cover any associated costs
How does home insurance cover work?
It’s simple. You pay a monthly premium, the damage is fixed or claim paid out by your home insurance company.
How much home insurance cover do I need?
The amount of cover will depend on your need. Talk to us and we will analyse your circumstances and help you decide on the right amount. It is important to take into consideration the following:
- The reinstatement value of your home
- If it is leasehold or freehold
- The valuables you own, including TV, furniture, sports equipment, clothes
- The value of the fittings and fixtures
- If you run the business from home, you might need an extra cover
- Is there something unusual about your home? Thatched roof, solar panels, etc
Once you have a policy in place, it is a good practice to review your home insurance needs every year. We can schedule an annual review with you and remind you to speak to an adviser to check if your cover is sufficient.
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