We work alongside some of the leading insurers within the industry:
Buildings insurance covers the structure of your home and its permanent fixtures and fittings such as solar panels, bathroom suites or fitted kitchens and will provide you with cover for the cost of rebuilding your home should any unexpected damage or loss occur during your 12 month policy including;
✔Escape of water from fixed pipes or tanks*
✔Theft or attempted theft*
✔Impact by vehicles, animals etc*
✔Falling trees or branches*
*Subject to the terms and conditions of this policy booklet.
A full list can be found in your policy booklet
If you're not able to live in your home following a claim for one of these circumstances, the insurer will look to cover the cost of alternative accommodation while your home is being repaired. For completed peace of mind you can also choose to purchase extended accidental cover, which will protect you in circumstances like putting your foot through the ceiling.
It's important that you get the value of your home right. Over-valuing can increase the price of your policy, however if you were to under-value you could find that you may not be covered for the full amount if you ever needed to make a claim. The amount you insure your property for should be based on the rebuild value, rather than the market value.
A lot of household fires begin in the kitchen, and are caused by faulty electrical appliances or unattended cooking pans and equipment. In addition candles, cigarettes, electric blankets and overloaded plug sockets cause a significant fire risk. Please ensure adequate precautions are taken to protect yourself and your family including installing smoke alarms and getting them regularly checked.
If water has or is expected to enter your home you should secure your property and move any valuables or essentials to a safe place. You should also turn off all the utilities like power, water and gas supplies at their main source and disconnect all electrical appliances where possible
If you know you live in an area that is prone to flooding, there are additional steps you can take to protect your home and we would recommend contacting your local environment agency for further advice.
Many thefts are committed by so called 'opportunist' criminals. Your property is significantly more likely to be burgled if accessible entrances are not locked and secured. If you are leaving the property unoccupied, do what you can to make your house appear occupied such as cancelling milk deliveries or by using timers on lights.
Garages and sheds are an attractive target to criminals as they are easier to break into and often contain valuable items suvchas tools or golf clubs. It is important to ensure these are sufficiently locked at all times.