There are many insurance companies that offer home buildings and contents insurance, and you can get it in a number of ways, such as by calling the insurance company directly, going online, or using an insurance broker. Since the cost of this kind of coverage varies from company to company, it's a good idea to get a few quotes.
BUILDINGS INSURANCE
Your patio is covered by your building insurance if it gets damaged. Causes of damage to walls and driveways include fire, sinking, theft, storm, and flood.
If you need to move out of your home until the repairs are done, the insurance will pay for a hotel room for you.
A home buildings and contents insurance policy will pay for damage caused by burst pipes.
After damage to your home, your insurance will cover the costs of surveyors, architects, and lawyers.
You have a roof over your garage and garden shed.
Your home buildings insurance policy covers permanent fixtures like kitchen cabinets, bedroom closets, and bathroom fixtures.
WHAT'S IN IT? INSURANCE
Theft of jewellery, paintings, TVs, computers, and other personal items from the home and outbuildings are covered by contents insurance.
In the event of a fire or flood in your home, your belongings, like your furniture and floor coverings, are usually replaced with new ones.
It is good to know that vandalism is covered by your home contents insurance policy.
If you add accidental damage coverage, your belongings are covered if, say, you spill a can of paint on your carpet or furniture.
Your home contents insurance policy covers things in your garden and money stolen from your home.
If you add personal property insurance to your policy, it will pay out if your camera gets broken or stolen while you are away from home.
All of the food in your freezer is protected.
A home buildings and contents insurance policy can also cover pedal cycles and give your family legal protection insurance.
Home buildings and contents insurance has a lot of exclusions, deductibles, and limits on the amount of coverage for certain things, so you need to read the policy conditions carefully.
Most premiums are paid by direct debit either monthly or annually. Some insurance companies that offer home buildings and contents insurance charge more if you pay monthly than if you pay annually.
