Building & Contents Insurance

Your home is a lot more than just bricks and mortar, so let’s protect it with a Building & Contents Insurance policy.

It is essential that you have a building & contents insurance policy that fits your circumstances and is there for you should you ever need to make a claim. If you find you are underinsured or are unwittingly in a flood risk area, you may find that in the event of a serious claim your policy is void. It is therefore vital that you know you have a quality policy which will give you the level of cover you require.

Did you know that it is a condition of your mortgage offer you must have buildings insurance in place to exchange contracts? We will help you be prepared so that obtaining insurance does not hold up your purchase.

We’re on hand to help with your Building & Contents Insurance

Our clients have peace of mind that they have the right safety net in place should they need it. Our consultants will discuss your circumstances with you and help you ensure that you are correctly covered.

Your adviser will tailor your policy to fit your needs ensuring there are no hidden surprises, no hidden fees and no mistakes within your policy.
Your adviser will ensure that your premium is the most competitive each year with no cancellation fees, alteration fees or concealed excesses to pay.
Your adviser will ensure that your policy commences at the required time.
Your adviser can source protection for all situations including; flood risk areas, listed buildings, commercial property and anything else that may be applicable.

Things to consider

Enough Cover?

When taking out buildings insurance, make sure that your home is covered for the rebuild value, not the market value. The best way to calculate the value of your contents is to go from room to room and note down the value of each item, from clothes to computers to the contents of your fridge freezer.

Consider ‘New for Old’

When taking out contents insurance, it’s better to get ‘new for old’ cover for your belongings as this means they will be replaced with a like-for-like new product, rather than the amount of money the old items were worth.