Insure your home and give peace of mind to your family with Buildings & Contents Insurance.
Without Buildings & Contents Insurance you could be financially ruined if a loss occurred or constrained by having to set aside money to fund your own repairs or replacement.
Buildings & Contents Insurance provides you with peace of mind by protecting your home, contents and personal belongings from damage or loss whilst also protecting your legal liabilities as a property owner or occupier.
Buildings & Contents
|Fire, smoke, explosion, lightning, earthquake|
|Malicious damage or vandalism|
|Storm or flood|
|Subsidence or heave|
|Accidental breakage of glass|
|Replacement Locks - Up to £750|
|New for old replacement|
|Escape of water or oil|
|Trace and Access - Up to £5,000|
|Property Owners Liability|
|Theft of contents in garage/outbuildings – Up to £3,000|
|Contents within the grounds of your client’s home – up to £1,000|
|Food in the freezer|
What’s not covered?
As with all insurance policies there are certain circumstances when your client will not be able to make a claim, known as exclusions. Full details of the exclusions which apply are provided in our policy document (we will send to you on request)
Some examples of exclusions include:
- Any loss or damage caused by wet rot or dry rot
- General wear and tear
- Storm or flood damage to fences, hedges and gates
- Loss or damage by some events which occur after the insured property has been unoccupied for more than 60 days
- £250 Excess Payment for Escape of water or oil or the excess stated in your client’s certificate, whichever is the greater
- Loss or damage by theft or malicious damage is excluded unless force and violence is used to get into or out of your home
- There is no Personal Liability cover provided by the policy
The default excess will be £250* however you may choose the excess you require for your policy. The options range from £50 to £500. The excess for the buildings is separate to the excess for the contents. If a claim occurs affecting both Buildings & Contents, only the single higher excess will apply.
*Subsidence claims under the Buildings Section is subject to a minimum £1,000 excess.
£250 standard policy excess for Escape of water or oil (or the excess stated in your client’s certificate, whichever is the greater)
We are able to search through a range of policies to find the one that suits you best from our selected panel of providers. We only recommend policies that are 5 Star Defaqto rated giving you peace of mind that in the event of a claim you will be dealt with fairly and promptly.
For Buildings and Contents Insurance we usually offer products from a limited panel of providers.