It’s easy to think that bad things happen to other people and not ourselves, but the facts suggest that it isn’t a risk we can afford to take. With unfortunate occurrences such as flood/storm damage, fire and more, threatening our homes and their contents, by not having insurance we are leaving ourselves open to serious financial loss.

Home insurance can now offer something for everyone with insurance for homeowners, tenants and landlords. Increasingly, mortgage lenders will insist that you have buildings insurance to obtain a mortgage.

Insurers will need a lot of information including the construction date and materials for the building, and different insurers might not insure unusual properties such as prefabricated buildings and thatched cottages. Insurers also need to know about the local lie of the land to assess the flood-risk.

Home Insurance covers the the below 2 sections:

Buildings Insurance
Buildings insurance is of vital importance – for example, if your house burnt down do you have the money to cover your losses? Mortgage providers insist that you have building insurance so that in the event of a disaster it can be repaired or rebuilt, as lenders don’t want to be left without security for their loan.

You can cover your property in the following circumstances:
- Storm and flood damage
- Burst pipes and other incidents of water leakage
- Fire, smoke and explosions
- Subsidence
- Vandalism or third party damage

Contents Insurance
If you’re looking to take out home insurance you might want to consider the valuables within your home. Home contents insurance is optional but with the threat of burglaries and fire, searching for cheap contents insurance that covers your needs makes sense.

Contents insurance gives protection to anything that is not a fixed part of your home, for example your appliances, electronic goods, furniture and clothing. Most home contents insurance policies will even cover the contents of your fridge and freezer. Policies are advisable for homeowners and tenants while landlord contents insurance can be limited if the property is let unfurnished or part furnished.

Similarly to building insurance, contents insurance offers protection against various perils including:
- Fires
- Storms/flooding
- Explosions
- Theft and vandalism

You can get an immediate quote for Home Insurance by calling 01925 454306, and if the cost and the amount of cover suits you, you can apply today.