Buildings & Contents Cover
Buildings Insurance is the most basic of cover and is designed to cover you against physical damage to your property. It is generally a condition of your mortgage contract and is required by most mortgage lenders to comply with the terms and conditions of the loan, however, it is usually acceptable for you to shop around and use the Building Insurance provider of your choice.
We will refer you to a qualified adviser who will search a wide range of leading Insurance companies to obtain highly competitive quotes which you can compare. They will also explain any special conditions and point out what is and what is not covered so you can make an informed decision as to which policy will suit your needs.
Contents Insurance offers cover against fire,water damage, theft, and accidental damage to your personal belongings, as different companies offer different inclusions and exclusions you should always check your policy.
There are two main types of Contents Insurance. The first is a new for old insurance, this policy will replace your TV with another one of similar brand, quality etc. The other type of Contents Insurance is known as Indemnity insurance. This insurance provides cover for what the object is currently worth. Whichever policy you choose, it is important that the sum that you insure is an adequate and realistic amount,in case you do need to make a claim.