Buildings & Contents Insurance
Buildings insurance will provide you with the money to cover the costs of repairing or rebuilding your home should it be damaged or destroyed. Our Buildings insurance will cover the structure of your home – but can also be designed to include sheds, garages and other external features.
We have a large range of A+ insurers who offer competitive quotes, and also provide cover for property in risk and subsidence prone areas.
It’s important to remember that when you’re taking out buildings insurance – you need to cover your home for its rebuild value, not the market value if you were to sell it. We offer a Buildings Valuation Service for more information click here.
Contents insurance will cover the cost of the possessions in your home should they be damaged or destroyed. A contents insurance policy will generally offer protection against the same perils as buildings insurance.
The most important thing you need to consider when calculating how much contents insurance you need is how much the contents of your home are worth. Your contents are likely worth more than you think – you should go through every room in your house and note each item and its worth at today’s prices. The figure will usually come to well over £30,000 on average.
There are two different types of contents insurance we can offer:
‘New-for-old’ policies
‘Wear and tear’ policies
New-for-old policies will provide the full cost of repairing damaged items or replacing destroyed items. Wear-and-tear policies will repair damaged items but with a reduction for depreciation and are generally cheaper as the claims will usually be smaller.
If also can provide advise on insuring any specialised contents which you may require such as paintings, garden statues, guns, sports equipment.