Do you know if you need Buildings and Contents cover?

Whilst mortgage protection is to some, negotiable, buildings insurance cover is made mandatory by your mortgage provider.

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Buildings and Contents Insurance Cover
If you own your own home, you’ll need to have buildings cover just in case your home is damaged and needs a repair

The reason for this is that the lender seeks to protect their security. The benefits to you are that you have the security of knowing that you are protected in the event of a major incident such as a fire or theft.

With the average house now being ever more populated with high value items, would you be able to replace all these items in the event of either of the above?

Buildings and Contents insurance cover guards you against this. And means that if the worst happens, you are not worrying about how you will replace all the items you worked so hard to buy.

The cover is generally split into two areas of buildings and contents insurance. Buildings cover covers the actual structure of your home from the brick walls through to the roof. It can guard against fire, flood, storm and burst pipes, to name but a few.

Accidental damage is also a popular option which one of our expert team can talk over with you.

Contents cover typically relates to anything that is not tied down in the property. For example, electrical goods, jewellery and items of value that can be removed from within the home.

The cover you need

In terms of the amount of cover you need, this will cover the rebuild cost of the home so in the event it was destroyed you would be covered up to the rebuild cost of the property. The rebuild cost will typically be within the valuation report of your property so we will help you to make sure you have adequate cover to protect your home.

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Buildings and Contents Insurance Cover
The cover is generally split into 3 areas of buildings and contents insurance
Buildings Cover

Covers the actual structure of your home, from the brick walls through to the roof and can guard against, fire, flood, storm and burst pipes to name but a few.

Accidental Damage

Accidental damage is also a popular option which one of our expert team can talk over with you. It will help protect your treasured items.

Contents Cover

This typically relates to anything that is not tied down in the property, so electrical goods, jewellery and items of value that can be removed from within the home.

GET COVER FOR YOUR BUILDING AND ITS CONTENTS
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Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.