We all know how important your home is. It's where we live, raise our families, make memories, keep our belongings, and so much more. So it's essential that you have the proper protection in place if something goes wrong.
Home Insurance is essential for any homeowner. There are different types and levels of home insurance available depending on your needs. While every home insurance policies and what they cover will vary between insurance companies there are some standards that every home insurance policy will cover.
Buildings Cover
Buildings Insurance covers the actual physical building and structure of your home. Benefits typically include:
Alternative Accommodation
Debris Removal Costs
Architects/Surveyors Fees
Purchases Interest
Service Pipes and Cables
Breakage of fixed Glass and Sanitary Fittings
Clean up Expenses
Door Locks Replacement
Fire Brigade Charges
Public Liability
Title Deeds
Contents Cover
Contents Insurance covers your personal belongings. Benefits typically include:
Audio and Audio-Visual Equipment
Christmas and Wedding Gifts
Fraudulent Use of Credit/Debit/Charge/Cheque or
Cash Cards
Freezer and Refrigerator Contents
Contents in the Open
Household Removal
Temporary Removal of Property
Title Deeds
Visitors and Guests’ Property
Home Office Equipment
Money
Loss of Oil
Building & Contents Cover
Buildings and Contents Insurance is a combination of both policies and will cover both the physical structure of your home and your personal belongings. Benefits typically all of the above in addition to:
Fire, Explosion, Lightning, Earthquake and
Thunderbolt
Smoke
Storm and flood
Freezing, Escape or Overflow of Water
Escape or Overflow of Oil from within any Plumbing or Heating System or Fixed Domestic Appliance
Stealing (or Attempted Stealing)
Impact by Aircraft, Aerial Devices or Articles Dropped from them, Rail Vehicles, Road Vehicles or Animals
Falling Trees and Branches
External Television/Radio Aerials, Masts and Satellite Dishes
Riot, Civil Commotion, Strikers, Locked-Out
Workers or Persons Taking Part in Labour Disturbances
Malicious damage and Vandalism
Subsidence or Heave of the Site