Building & Contents Insurance
When insuring your home, you normally need two policies: one for the building itself and another for its contents. If you have a mortgage, your lender will insist you take out buildings insurance. Buildings insurance covers the structure of your home (walls, windows, roof etc) as well as permanent fixtures and fittings, such as baths, toilets and fitted kitchens.
The amount of cover you need is the cost of rebuilding your home, which should include the cost of demolition (if needed), clearing the site, and architects’ and builders’ fees. The rebuilding cost is not the same as the market value of your home. If you have recently applied for a mortgage the rebuild cost will be covered in the valuation carried out on the property. Other policies may provide a standard level of cover i.e. up to £1million.
We are independent and can provide you with a range of options.
