Buildings
&
Contents Insurance

Buildings insurance covers the cost of rebuilding or repairing damage to your property, other than that arising through normal wear and tear. This includes permanent fixtures and fittings, such as built-in kitchen units, bathroom suites, toilets and built-in cupboards. Most policies will also cover any outbuildings, such as a garage, shed or greenhouse.

 

A good policy will insure your home against a range of risks, including;

 

• Fire, smoke, lightning and explosions

 

• Storm and flood damage

 

• Burst pipes and other incidents of water leakage

 

• Subsidence, heave or landslip

 

• Vandalism or third party damage

 

• Falling trees or branches

 

• Theft or attempted theft

 

Contents insurance generally covers anything that isn't a fixed feature of your home, or to put it another way – the things you take with you when you move.

 

So, a standard contents insurance policy should cover the following items;

 

• Household goods and appliances like cookers, fridges, televisions and computers 

• Furniture and furnishings such as beds, sofas, curtains and carpets 

• Valuables such as jewellery, watches, mobile phones, cameras and works of art 

• Personal belongings such as clothes, shoes and bags.

 

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