WHAT IS BUILDINGS INSURANCE?
Buildings Insurance covers the costs of repairing or rebuilding the structure of your home should it be damaged or destroyed. It includes your permanent fixtures and fittings such as sanitary ware and fitted kitchen.
It’s intended to provide cover from things like fire, storm, theft, escape of water, malicious damage and vandalism.
If you’re buying a property you’ll usually need Buildings Insurance, as it will normally be a condition of the mortgage.
WHAT IS CONTENTS INSURANCE?
Home contents insurance covers the cost of replacing the belongings in your home if they are damaged, destroyed or stolen. This includes items such as clothing, furniture, carpets and electricals.
Many people underestimate the value of their contents, which could result in them being out of pocket if they ever had to claim. It is therefore very important to do a full inventory of the contents in your home and ensure the level of cover you choose is sufficient to replace all of your possessions.
Many contents insurance policies offer optional extras, such as:
Accidental Damage cover
This additional cover offers protection against sudden, unintentional and unforeseen incidents such as smashing a window with a football or hammering a nail into a pipe.
Personal possessions covers items taken regularly outside the home such as cameras, mobiles, bicycles, watches and jewellery.
Family legal protection
This covers legal costs, should you need it, to deal with disputes as varied as dodgy tradesmen and bad holidays.
Home Emergency cover
Home Emergency cover provides help when you need it with central heating disasters, power failures and broken front-door locks.
Defaqto is a service that compares financial products. A 1 Star Rating indicates a basic product, with a low level of features and benefits, while a 5 Star product provides one of the highest quality offerings in the market.
At Willowgate Finance we only recommend Defaqto 5* rated home insurance products through our carefully selected panel of providers.
As with all insurance policies, conditions and exclusions will apply.
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