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Home Insurance cover comes in two parts; Buildings Insurance and Contents Insurance. You can choose either one or both of these, based on your individual requirements.
Buildings Cover insures your bricks and mortar for events such as fire and weather damage, while Contents Cover could protect your belongings against theft, damage and loss.
Buying a combined policy from the same insurer can often be cheaper than getting two
Why do I need Home Insurance?
If you’re a homeowner, most mortgage lenders insist you have Buildings Cover in place.
You don’t usually need Buildings Cover if you’re renting, but you may want to consider Contents Cover to help cover the cost of replacing your belongings if you suffer a loss.
What’s included in my Home Insurance Policy?
The following benefits can be included in your Home Insurance Policy**:
- Storm and flood cover
- Escape of water
- Malicious acts and vandalism
- Subsidence Cover
- Loss of Rent & Alternative Accommodation
- Accidental Damage
- Replacement locks cover
- Tracing & Accessing Leaks up to £5,000
- Alternative Accommodation
- 33% of the Contents Sum Insured for Valuables within the home.
- Contents in Garage.
- Contents in the open.
- Contents temporarily removed from the home
- Freezer contents.
- Credit Card Cover.
- Occupiers Liability up to £2,000,000
- Money Cover up to £500
- Cover for theft of oil
- Cover for theft of pedal cycles.
- Worldwide Cover for Mobile Phone & Computer Equipment.
*Home Insurance Quotes & Policies vary per individual, since they are tailored to the individual homeowner based on their own unique needs. Quote of £131 excludes Administration Fee. Details on Administration Fees can be found here.
**Benefits listed apply to our standard policy wording. Benefits vary depending on the cover selected. As with all insurance policies some exclusions apply.