Buildings cover done properly
Buildings insurance covers the structure, the walls, roof, windows and permanent fixtures, against events like fire, flood, storm and subsidence. Lenders require it as a condition of your mortgage.
The key is insuring the correct rebuild cost, which is not the market value. We help you get that figure right so you are neither under-insured nor overpaying.
- ✓Cover based on accurate rebuild cost, not market value
- ✓Meets your mortgage lender’s requirements
- ✓Alternative accommodation cover if your home becomes uninhabitable
Contents that match real life
Contents insurance protects everything you would take with you if you moved, furniture, electronics, clothes, jewellery. Most households underestimate the total by a wide margin.
We make sure high-value items are properly listed, and add accidental damage or away-from-home cover where it is genuinely useful.
- ✓New-for-old replacement as standard
- ✓High-value items and bicycles specified correctly
- ✓Optional accidental damage and personal possessions cover
Documents you’ll need
Having these ready speeds everything up. Don’t worry if something is missing, your adviser will help you gather what’s needed.
- ✓Photo ID (passport or driving licence)
- ✓Proof of address (last 3 months)
- ✓Last 3 months’ payslips or 2 years’ accounts
- ✓Last 3 months’ bank statements
- ✓Proof of deposit or equity
- ✓Details of loans, cards and commitments
Common questions
Not by law, but every mortgage lender requires it as a condition of lending, from exchange of contracts on a purchase. We line it up so there is never a gap.
It is what rebuilding your home from scratch would cost, including demolition and fees. Insure below it and claims can be reduced proportionately. We help you set it accurately.
Your landlord insures the building, but everything you own inside is your responsibility. Contents-only policies for renters are inexpensive and worth having.
Standard policies include storm, flood and subsidence, though homes with a history of either may need specialist terms. We know which insurers take a fair view of higher-risk postcodes.
An optional extra that covers mishaps like spills on the carpet or a foot through the loft ceiling. It adds a little to the premium and is one of the most-used parts of a policy.
It can affect future premiums, as insurers price on claims history. We will give you an honest view on when a claim makes sense and when it does not.
Cover your home properly
One short call and we will make sure your home and contents are insured for the right amounts.