Your home is the most valuable asset you own. You therefore need to make sure that it is properly insured against unforeseen events such as burglary, flood, fire, accidental damage and subsidence.
The most popular types of home insurance are buildings and contents insurance:
Buildings Insurance
This policy covers bricks and mortar together with fitted kitchens and bathrooms. Having suitable home insurance is a condition on your mortgage. Adequate buildings insurance should cover the full cost of rebuilding your home. Buildings insurance usually includes accidental damage of glass and sanitary fittings, architects costs and surveyors fees, alternative accommodation costs and/or loss of rent up to 20% of your buildings insurance.
Contents Insurance
Insure all your personal possessions to cover the cost of replacing any items such as electrical equipment, furniture and clothing. Do not underestimate the value of your possessions and inform your insurer about expensive individual items such as antiques or jewellery that might not be covered. Content insurance policies traditionally feature audio, video and PC equipment coverage. Accidental damage of fixed glass furniture and mirrors is included. Personal cash and credit cards are also covered when stolen from home.
Optional Extras
