Buildings and contents insurance
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Buildings and contents insurance
A lot of time, money and thought goes into making a house a home. But, that doesn’t mean your home is just bricks and belongings. It’s the place you live, sleep, relax and spend time as a family. It’s the centre of your day-to-day life, housing personal belongings, as well as memories. It’s not something you want to be without, but life has a funny way of throwing curveballs into the mix. If something happened to the structure of your property and everything else, you don’t want the financial strain of replacing everything, on top of the stress and upset. This is why getting buildings and contents insurance is a good idea.
At Everest Mortgage, we’re to guide you through the home insurance process. Whether you own a house, flat or investment property, getting the right protection in place can save you from costly repairs or losses in the future.
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What does home insurance cover?
There are two types of home insurance; buildings insurance and contents insurance.
You can buy them separately or combine them into one policy, which is where joint building and contents insurance come in. This insurance helps to protect both the structure of your property and everything inside it, ensuring you’re covered against unexpected events.
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Building insurance vs. contents insurance
Buildings insurance protects the physical structure of your home and anything permanently attached to it. It includes walls, floors, ceiling, roof, windows, fitted kitchens, built-in appliances, bathroom fixtures, pipes and drains. Some policies also include garages, sheds and outbuildings. If your property were damaged by fire, storm, flood, subsidence or even accidental structural damage, buildings insurance helps cover repair or rebuild costs.
Contents insurance protects the items you keep inside your home, meaning everything you could reasonably take with you if you moved. This includes furniture, soft furnishings, carpets, rugs, home appliances, electronics, clothing, personal possessions, jewellery, valuables and household items. Cover applies to you and anyone else named on the policy who lives in the home.
Contents insurance can also protect against theft, accidental damage, fire and smoke damage, flooding and electrical surges. Some policies even cover items taken outside the home, such as laptops, phones or bikes.
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Combined buildings and contents insurance
Many homeowners choose to take out a combined home insurance policy, which protects both the structure of the property and everything in it. By opting for building and contents insurance, you’re likely to find it’s cheaper than buying two separate policies. You also only have to deal with one insurer, one renewal date and one monthly payment. You can relax, knowing that everything inside your home and your home itself is protected.
At Everest Mortgages, we understand that every home and household is different. This is why we help you to choose home insurance that reflects your property type, location and the value of your belongings. Whether you’re a first time buyer, a landlord or simply reviewing your existing cover, we can help you to compare policies and find the right one for you.
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