A Home Insurance policy is a combined insurance that will cover or replace any damage that might occur to the house or its contents, including loss.
It is essential for all mortgaged houses, and the majority of other homeowners who do not have a mortgage will also have this type of insurance. It is possible to get buildings and contents insurance separately, although you will find that most providers offer them as a combined cover.
Buildings and/or Contents Insurance
Buildings Insurance covers the actual physical property – bricks, doors, roof, windows, drives, patios and the general structure against disasters and can include accidental damage if requested. The event which caused the damage must have been completely beyond your control, for example storm or flood damage, a major fire, smoke or explosions, water leakage/burst pipes, subsidence, or third party vandalism or damage.
Your mortgage providers will insist that you take out this cover as it is like a type of security for the loan that they have given to you.
Contents insurance covers all items in your house which are not fixed to the property, for example your furniture, jewellery, appliances and clothing. Most of the available contents insurance policies can even cover things like the contents of your refrigerator and freezer.
Personal Possessions can be included to cover your possessions while they are temporarily removed from the home anywhere in the United Kingdom and while they are temporarily removed from the home for up to 60 consecutive days anywhere in the rest of the world. If you have any high value individual item valued at (usually) £1500 or more, you’ll need to class it as a “specified item”.
Family Legal Expenses
Family Legal Protection provides you with legal assistance and advice in disputes involving things like employment contracts, purchased goods & services, bodily injury, tax enquiry cases and more.
Home Emergency Insurance
Home Emergency provides assistance if an emergency affects your home as a result of, for example, unexpected damage to your roof, plumbing and drainage systems, main heating system, domestic power supply, toilet unit, home security, or if you have lost your keys.