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Home Insurance

Buildings Insurance

Are you a homeowner? If so, you’ll want to make sure that you have building insurance in place. Building insurance is a mandatory requirement for all lenders when arranging a mortgage, and it’s something that you should consider even if you’re not buying or remortgaging a property.

Leasehold properties may already be covered by the monthly or annual maintenance charge, but if you’re purchasing a freehold property, buildings insurance will need to be covered by you. It’s important to have buildings insurance in place before exchanging contracts.

Building insurance covers the cost of repairing or rebuilding your home if it’s damaged or destroyed by events such as fire, floods, storms, or subsidence. It’s important to remember that building insurance is separate to contents insurance, which covers your personal belongings.

When taking out buildings insurance, it’s important to make sure that you’re covered for the full value of your home. The rebuilding cost of your property may be different to the market value, so it’s worth getting a professional valuation to make sure that you’re properly insured.

It’s also worth checking the small print of your buildings insurance policy to see what’s included and excluded. For example, some policies won’t cover damage caused by subsidence, so it’s important to check that you’re covered for this if it’s a risk in your area.
Building insurance is an important consideration for all homeowners, so make sure that you’re properly protected.

What does building insurance cover?

Homeowners want to know that their home is protected and will be able to rebuild in case of any damages. Most people think that their home is safe and nothing will happen, but accidents do happen.

That’s why Homeowners need to have building insurance. Building insurance covers the fabric and permanent fixtures of your home, such as the roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards, and bathroom suites. A standard buildings insurance policy should cover the full cost of repair or a full rebuild in case of a fire, lightning strike, storm damage, gas explosion, falling trees, earthquake, vandalism, vehicle collisions with the building, or bursting of the plumbing.

Building insurance is important because it gives homeowners peace of mind knowing that their home is protected in case anything happens. It’s better to be safe than sorry, and having building insurance can help give you that peace of mind.

Contents Insurance

When you’re a homeowner, it’s important to have protection for your contents.

That’s why contents insurance is such an important policy to have. Contents insurance covers your belongings if they are damaged or stolen.

This type of insurance isn’t compulsory, but it offers valuable protection for your home and its contents. Some of the things that content insurance covers are loss or damage by theft or attempted theft, fire, explosion, lightning, earthquake, water leakage, storm or flood damage.

The ‘contents’ of your home is defined as the things you would take with you if you were to move. This includes items such as furniture, clothes, electrical items, money, and jewellery.

Contents insurance may also cover some fixtures, such as carpets and curtains.

When you’re a homeowner, it’s important to have protection for your contents. That’s why contents insurance is such an important policy to have.

Contents insurance covers your belongings if they are damaged or stolen. This type of insurance isn’t compulsory, but it offers valuable protection for your home and its contents.

To find out more information and to get a quote about your buildings and contents insurance, speak to a member of our team today by calling us on 01869 248 339 or email us at mortgages@imsinternet.co.uk.

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