BUILDINGS AND CONTENTS
Insurance cover for your home and its contents. We are able to offer a wide range of home insurance policies to suit your individual needs. You need to be sure that you are insured correctly. The cost of replacing or repairing them can be financially crippling, and it is therefore important that you understand the benefits of such insurance, how it works and what it costs in general terms. We are here to help you do just that.
BUILDINGS INSURANCE
This covers the cost of repairing or rebuilding your home in the event of perils such as fire, theft, lightning, flood or explosion. Buildings insurance for your home, not only provides you with vital peace of mind, but can also be a requirement of your mortgage lender. Accidental Damage This cover can be included at an additional cost. An example of an accidental damage claim would be if you were to put your foot through the ceiling whilst in the loft. You can claim for the damage caused.
CONTENTS INSURANCE
This covers the repairs or replacement of lost or damaged contents of your home. Whether you own or rent your home, contents insurance is vital. Accidental Damage This cover can be included at an additional cost. An example of an accidental damage claim would be if you accidentally spilt a pot of paint on the carpet. New for Old All Contents and All Risks cover is now provided on a "New For Old" basis. This means that as long as the sum insured is maintained at a level adequate to replace items as new, insurers will do so. All Risks As an additional extension this provides cover for personal effects taken out of the home, uk, Europe or worldwide, e.g. an engagement ring. Other extensions offered include freezer contents, pedal cycles, money and credit cards.