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Home<\/a><\/span><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Like Life Insurance, buildings insurance is another requirement from a mortgage lender. It makes sense \u2013 if your home were to be damaged you would need to invest heavily to repair it- which could stop you repaying your mortgage. So buildings insurance protects the fabric of your house, whereas contents insurance covers your possessions and furnishings.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What is buildings and contents insurance?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Buildings and contents insurance is also called home insurance, as most of us choose to buy a single policy that covers both aspects of our home.<\/p>

Buildings insurance covers your house in case of a disaster where your house is so badly damaged that it needs rebuilding. The cause of the damage might be storm or flood damage, a major fire or explosion, subsidence or destruction caused by a third party.<\/p>

Contents insurance covers items in your house that aren\u2019t fixed to the property: furniture, technology, jewellery, appliances etc. You\u2019re protected against accidental damage and theft. The usual level of cover will repay you for the current value of each item – so if your three year old laptop is stolen, you\u2019ll be given the money to buy another three year old laptop.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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What\u2019s included in buildings cover?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Buildings insurance protects the overall structure of your house, i.e. walls, ceilings, roof plus walls, gates and pipes within the boundaries of your property. It also includes permanent fixtures and fittings in the house, like the kitchen units and fitted cupboards.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Do you get to choose what\u2019s included in your contents insurance?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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This will depend on your policy. There are usually some general guidelines on what\u2019s covered, such as a certain amount of cash, losses on bank cards, even what\u2019s in your freezer. You can then choose additional cover for one off items like an expensive piece of jewellery, or sports equipment. These will probably increase your premium.<\/p>

You can also buy additional options, such as:<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Personal belongings cover <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Giving you protection for items even outside the home such as a bicycle or expensive technology.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Home emergency <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Providing access to professional tradespeople you can call out for free. Often provides 24-hour cover, but only covers you for a certain amount of work, on average up to \u00a3250.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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Legal expenses <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Cover for any fees that result from an accident occurring on your property that results in legal fees.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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What do I need to know before taking out a buildings and contents insurance policy?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The main things you\u2018ll need to compare home insurance policies are the \u2018rebuild cost\u2019 of your home, and the total amount of cover you need for your contents.<\/p>

The rebuild cost of your home is the total amount it would take to reconstruct your home from scratch. It\u2019s generally much less than the market value of your home.<\/p>

The best way to estimate this is to use the Building Cost Information Service calculator<\/a>, which is the basis of most insurance valuations.<\/p>

For your contents insurance you need to write a list of everything that you would need to replace if the worst were to happen and you lost all your possessions. Assess the cost of replacing these items and add a margin to allow for inflation. This is your guideline contents total. It\u2019s important to take time over this, as under insuring could be very serious if you ever need to claim.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t

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How can I get the best deal on my buildings and contents insurance?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Home insurance is a very common insurance product, so it\u2019s definitely worth shopping around to find the best cover at the lowest price. Make sure you compare the level of cover, the monthly premium and the excess you\u2019ll be expected to pay if you need to claim.<\/p>

You can use a price comparison site but do bear in mind that some insurance providers aren\u2019t listed on these sites. A broker might also be able to find you the right policy at a great price. This is particularly useful if you need non-standard home insurance – for example, if your home is a listed building. Brokers can do all the shopping around for you, free of charge.<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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