Home Insurance | Buildings & Contents

No homeowner expects a disaster, but when that water pipe bursts or a burglar breaks in, they sure wish they had. Hence, we strongly recommend that you consider Home Insurance. We tie-up with some of the best Home Insurance providers, and bring you the most comprehensive 5-Star Defaqto rated Home Insurance.

Buildings and Contents are a form of Home Insurance, and here’s an easy way to understand and distinguish between the two. The Building includes the fixed structure and immovable things attached to it such as permanent fittings and fixtures. However, movable things or easily detachable ones such as electrical appliances and furniture, is covered under contents.

Buildings

Contents

Damage to the structure of your property Covers your possessions against loss or theft
Permanent fixtures and fittings

(Interior decoration, ceramic hobs, underground tanks, pipes, cables, solar panels and drains for which you are responsible from your home to the mains supply)

Accidental Damage

(TV sets, satellite receivers or decoders, radios, audio equipment, video-recording equipment, DVD players and games consoles capable of playing DVDs or desktop personal computers)

Damage to garages and sheds Damage caused by fire, flooding, storms and theft
The cost of rebuilding the property up to £1,000,000 Including demolition, clearing the site, and architect's fees Cover is also provided for ceramic hobs in free-standing cookers and fixed glass in furniture (but not glass in pictures or clocks)
The cost of alternative accommodation up to £200,000 Up to £15,000 for high risk items

 

Extended Options (Buildings)

Extended Options (Contents)

Accidental Damage

(e.g. Putting your foot through a loft ceiling or drilling through a pipe)

Accidental Damage

(e.g. Spilling wine on a carpet, dropping something that breaks or damage caused by children)

Home Emergency Cover

(e.g. Burst Pipes, Break-ins, Vandalism, Pest Infestation, Failure of Gas, Electric or Water, Sanitary emergencies, Lost Keys, etc…)

Home Emergency Cover

(e.g. Burst Pipes, Break-ins, Vandalism, Pest Infestation, Failure of Gas, Electric or Water, Sanitary emergencies, Lost Keys, etc…)

Family Legal Protection Cover up to £50,000 for Legal and Professional Fees against Personal Injury, Consumer Pursuits, Employment Disputes, Motor Prosecution Defence, Tax and Property Infringement Family Legal Protection Cover up to £50,000 for Legal and Professional Fees against Personal Injury, Consumer Pursuits, Employment Disputes, Motor Prosecution Defence, Tax and Property Infringement
Personal Belongings Cover For everyday items you take outside like mobile phones, watches, jewellery, laptops or pedal cycles
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