Buildings Insurance

Protecting your home in case damage caused by unforeseen circumstances

Protecting Your Investment Property

Not only is buildings insurance or home insurance likely to be a mandatory requirement by your mortgage lender, it’s also an essential policy designed to protect your home in the event of unexpected circumstances. These events could make the property unsuitable to live in or significantly impact its value.

Buildings (Home) Insurance

What Type of Protection is Available?

Whilst the list is not exhaustive, some common situations that buildings insurance can provide protection against include fire, flood, subsidence, and vandalism. Damage to bathroom and kitchen fixtures is also usually included. Most insurers will allow you to enhance your buildings insurance with optional extras.

We’ve listed some of them below and will be happy to advise you on a policy that meets the mandatory requirements of your mortgage lender—while giving you peace of mind that your home and possessions are fully protected.

Structure

To cover loss or damage to your buildings caused by certain events such as fire,
storm, flood, theft, escape of water, malicious damage and vandalism.

Underground Infrastructure

To cover loss or damage
caused by accidental breakage of drains,
cables and underground pipes

Burst Water Pipe

To cover damage to the building caused by burst water pipe. Damage to batch & kitchen fixtures is usually also included.

Legal Costs & Liability

To cover sums you and your family are legally liable to pay as the owner of your
home or cover for legal costs to remove squatters if they occupy your home.

Optional Extras

Enhance Your Cover. For a Greater Peace of Mind.

Here are some common add on’s that can be added to your buildings insurance provide a more comprehensive cover.

Contents Cover

Provides protection in the event of theft or damage to household possessions, whilst this usually relates to possessions kept at home most insurers will allow you to extend this to possessions that might not be stored at home through Personal Possessions cover (see below).

Personal Possessions Cover

Allows you to add cover for items and belongings that might not be kept in the house such as mobile phones, tablets, gadgets and handbags.

Legal Expenses Cover

In the event that your legal rights have been infringed- whether this relates to a property dispute or you are making a legal challenge with respect to a business having treated you unfairly or even issues arising from your employment rights then Legal Expenses Cover can offer financial support to help you cover the legal costs associated with pursuing a claim or taking proceedings to defend your legal rights.

Home emergency cover

Covers parts and labour in the event of an unexpected breakdown of essential services such as heating, electrics, pest infestation or plumbing and drains.