Insurance

There is an obligation to take out building insurance on your home if you are buying your property with a mortgage. But even if you are a cash buyer, it makes sense to have comprehensive building insurance.

The thought of being burgled or a house fire destroying personal belongings is enough to persuade most people to take out additional contents insurance.

If you don't have an insurance policy you need to ask yourself if you could afford to replace what is stolen or lost in a fire or flood.

When renting/letting a property the landlord is usually responsible for 'buildings insurance' but the tenant is responsible for the insurance of their own personal belongings.

Buildings insurance

Buildings insurance is to cover the structure of the property and its permanent fixtures and fittings and includes outer buildings such as garages.

The policy is to cover the unexpected, such as a fire, flooding or storm damage but does not cover general wear and tear or damage from poor workmanship.

When considering insurance policies take the time to read the small print and check what exactly is or isn’t covered in the policy.

Flooding may or may not be covered by your insurance policy. Check with your insurer for specific details.

Contents insurance

Contents insurance is for your personal possessions and any valuables you might have. The policy will cover your items from theft, damage or loss and include furniture, appliances, electrical goods, jewellery and ornaments etc.

If you are unsure as to what is covered under your policy it's worth asking the question or reading the small print of the contract. An example of this would be the protection against accidental damage.

If you have valuable items of a certain amount, usually over £1,000 then these will need to be added separately on the policy and covered for the full value. These items could consist of anything from jewellery, watches, paintings to computers/laptops.

Combined insurance

Combined means you are covering both the buildings and its contents on one policy. If you need both things to be covered it can be far cheaper having a joint policy instead of two individual ones.

A combined policy will also make claiming easier as you are covered by one insurer. If for example there is a fire you only have to claim from the one insurer instead of two.

Ensure you check the terms and conditions of the combined policy to understand what is covered and any exclusions that may apply.

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It is worth gathering information about what you would like to be insured before approaching any insurance company and asking for cover. The following information will likely be needed by any insurance company that you approach:

Details of the property

Type of property, number of rooms and any special structural details

Cost to rebuild

If your property is demolished what is the cost to have it rebuilt

Security at the property

Do you have any cameras, smoke alarms and how secure are your locks

Contents valuation

Make an inventory of your contents and the cost of the replacements

Personal details

Who is living in the property, your occupation and any previous claims