Home Insurance

Things happen when you least expect it

There are two types of household insurance – buildings and contents. They are separate entities but can normally be bought together, usually with a discount.

Buildings Insurance

  • Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. It is a condition of every mortgage offer that buildings insurance is in place.

Aside from the mandatory aspect, insuring your property and contents is important. Imagine having to rebuild your property or replace all of your contents following a flood or fire.

Contents Insurance

  • Contents Insurance covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases.

Different policies offer different levels of cover but generally you’ll be covered against theft and fire  and have the option to insure against damage you may cause by accident.

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