Home Insurance
Your home is probably one of the biggest investments that you will ever make. It is a place where you feel safe, comfortable and where all of your treasured possessions are carefully stored. This is why it’s so important to make sure that the building and your contents are suitably protected.
Taking out a home insurance policy will cover any accidents or unforeseen situations, from the minor to the major.
Home insurance is an umbrella term that is used to describe two types of insurance; buildings cover and contents cover.
Buildings insurance will cover you for anything related to the structure of your home caused by flood, fire or subsidence. This is crucial for anyone who owns their home and is a legal requirement for mortgaged properties. The crucial elements that you should look to include into your policy should include:
- Alternative accommodation
- Trace and access
- Repairs from approved tradespeople
- Optional extras such as accidental damage, home emergency and legal expenses
Contents insurance will cover all of the personal possessions in your home, whether these are damaged, lost or stolen. As well as buildings insurance, this is a necessity if you own your own property or it’s mortgaged. It’s also helpful for tenants too to protect your belongings.
Some of the things that you should look out for on a contents insurance policy include:
- New for old replacement
- Business equipment
- High value items
- Accidental damage
- Personal possessions cover away from the home
- Home emergency cover
- Legal expenses
Home insurance is something that should be tailored to you and your requirements. Many policies are too standard and won’t give you the cover that you need. Price is an important consideration but so too is the level of cover that you receive. We are specialist home insurance advisors and we will find out your requirements and then search the whole of the market to source a policy that’s a good fit for you and your home.
Contact our team today and we will get started straight away to find you the best policy for your home and contents. Or have any questions? Ask our team and we will be happy to help.
