Buildings & Contents Home Insurance
We use a number of leading Insurance Providers to ensure we offer you the most appropriate insurance product to suit your given circumstances, at competitive premium rates.
Buildings and Contents Insurance
Given, in most cases, your home is your greatest asset, it is important that your home insurance cover is arranged correctly to ensure it gives you first class protection in the event of a claim. This can only be achieved by fully understanding your needs.
Cover can be arranged on a buildings only, contents only, and a combined buildings and contents basis. More competitive premiums are often offered for combined policies and they can also have the advantage that, in the event of a claim which affects both buildings and contents, one excess may apply.
In addition to buildings and contents cover, you have the option to include cover for:-
- Extended Accidental Damage
- Unspecified Personal Belongings away from home
- Specified Personal Belongings
- Personal Money & Credit Cards
- Pedal Cycles
- Family Legal Expenses
On occasions, Insurers will also offer the facility to include cover for the following:-
- Small Craft
- Touring Caravans
- Annual Travel Insurance
We would emphasise that, whilst these extensions are available, it may not always be the most cost effective way of arranging cover and so we may offer stand-alone facilities instead of recommending that you extend the home policy.
Rebuilding Sums Insured
The traditional way of arranging buildings insurance is to provide a rebuilding sum insured, which you may well get from a previous survey report, to reinstate your property in the event of a claim. The sum insured does not include value of the land, as this will not be materially affected in the event of a claim; however, it must include Professional Fees and Site Clearance costs.
Some Insurers now offer policies with a maximum rebuilding sum insured of, for example, £300,000; however, these may not always be the most competitive option. Where possible we like to have an indication of the rebuilding sum insured, to ensure we are quoting the most competitive rate.
There is an online rebuilding sum insured indication facility available. This, we would hasten to add, is for standard construction properties.
The website can be found at:-
For further information or a quotation please contact:-
Graham Burling
grahamb@s-tech.co.uk
01223 324233