Buildings and Contents

Owning a house is a big commitment and not without its expenses and risks.

The risk of damage to your building is something that must be insured against as a condition of taking out a mortgage or secured loan and this is to protect both you and the lender in the event of any major loss or damage.

The cost of repairing your home in the event of structural damage can be significant and your insurance policy will cover you against most causes of structural damage after payment of an agreed policy excess.

As a minimum you will need to have your property insured for the cost of rebuilding the property in full.

Contents insurance can be arranged together with or independently from buildings insurance.

While it is not compulsory to arrange cover for the contents of your property it is certainly advisable.

Contents can be damaged as a result of damage to your building such as flood or fire as well as being stolen or damaged accidentally, and protecting against this could save you the significant cost of replacing items in such an event.

For more information and to request your free, no obligation consultation with one of our qualified, experienced mortgage advisers, please contact us using the quick enquiry form below.