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BUILDINGS AND CONTENTS INSURANCE

Most mortgage lenders will insist that your property has Buildings Insurance to protect their interest. It is also certainly worth considering insuring your possessions within the property especially if you own high value items.

BUILDINGS INSURANCE

Buildings insurance covers your home from damage by flood, fire, subsidence, storm or vandalism, protecting the structure of the building (the walls, roof, floors and extensions) and its fixtures (built-in wardrobes, bathroom suites and fitted kitchens). Your insurer will also repair damage caused by leaky pipes or faulty electronics, as well as criminal or accidental damage. If necessary, they’ll even foot the bill to rebuild it completely.

CONTENTS INSURANCE

Contents insurance covers the contents of your home, your prized possessions in the event of loss, damage or theft. Contents cover can also protect your belongings from events outside your control, including fires, theft, storms, floods, the movement of the ground below the property (aka subsidence) and water leaks.

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