Buildings & Contents

If your home burned down, could you afford to rebuild it and replace all your valuable possessions that were lost in the blaze? 

For most of us the answer is, of course, no, which is why just about everyone needs house insurance

If you were in any doubt as to whether you need Buildings and Contents insurance here are some good reasons; if their home goes up in flames or gets flooded or burgled, their contents are usually damaged too. So, while buildings insurance is part and parcel of any mortgage agreement, contents insurance is equally important. Incidents can and do happen. Properties are broken into, pipes burst, washing machines flood and red wine spills. And on top of all that, Mother Nature will also destroy whatever is in her path.

Optional Extras

The following extra cover can be added to your policy:-

Personal Posessions

Purses, bank cards, cash, mobile phones, keys, jewellery, makeup, perfume, sunglasses, leather diaries, designer handbags…it amounts to a small fortune.

This is just one example of how Personal Possessions insurance can protect what's important to you.

Cover protects against the loss, theft or damage of high value items carried both inside and outside of the home, ranging from diamond rings to mountain bikes. It also includes money lost in the UK or overseas, as well as cover for mobile phones.

Accidental Damage

Accidental Damage can be a valuable extra as it covers damage caused accidentally and not on purpose or inevitably.

Buildings Accidental Damage provides cover against accidental damage to the buildings, including fixtures and fittings and any part of the structure or decorations. This could cover, for example, a foot accidentally being put through the attic floor. In addition this also covers accidental breakage to underground drains, pipes, cables and underground tanks providing services to and from your home to which you as the owner is responsible.

Contents Accidental Damage provides cover against accidental damage to the contents of your property. This could cover an accidental paint spillage on a carpet or a television set being knocked over.

Home Emergency Cover

Home Emergency Cover, can provide assistance if you have a sudden, unexpected event in the home which requires immediate action to:

• Make your home safe and secure
• Avoid damage or further damage
• Ensure your home is fit to live in
• Restore electricity, gas or water services to your home if they have totally failed

Legal Expenses Cover

• Employment Disputes
• Contract Disputes
• Bodily Injury
• Property Protection
• Tax Protection
• Legal Defence