Buildings and contents insurance

Insurance products

We have a wide range of leading insurance suppliers to choose from and can get a policy set up and ready to start when you exchange contracts for the property, or when your old policy has finished.

If you are moving home then your mortgage lender will require that your Home Insurance is set up before the mortgage money is released to your solicitor.

Buildings insurance

Covers the structure of your property and any fixtures and fittings.
The sum insured for buildings insurance must be the full rebuilding cost of your property and the sum insured for contents insurance should represent the amount required to replace all your furnishings and possessions at current day prices.

Contents insurance

Covers all the furniture, furnishings and personal possessions in your home. In fact, it covers the things you would take with you if you moved.

Additional benefits

As well as covering you against a long list of 'risks' (including fires, subsidence, theft, flood and storm) both types of cover include an important 'liability' section. This can provide you with protection if you are sued by a third party alleging injury to themselves or damage to their property caused by you or some defect in your property.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE