Home Insurance

Frequently Asked Question

• What do I need to consider before buying home insurance?
  • You should set the maximum level of cover the policy will pay out if the contents of your home are destroyed.
  • Make an inventory of your possessions in each room and try to gauge the costs for each item. This will help you reach a figure that covers the total value.
  • Most home insurance policies also provide cover for single, high-value items. It’s important to tell our referral partners about any expensive possessions that you need to insure.
• What does contents insurance cover?
  • Insurers define the ‘contents’ of your home as items you would take with you if you had to move out of your home.
  • Contents insurance protects your possessions against loss or damage caused by various factors. These include theft or an attempted burglary, fires, explosions, earthquakes, lightning and smoke, and water leaks caused by storms or floods.
  • Contents insurance covers your money, clothes, jewellery, furniture, electrical items, and certain fixtures such as curtains and carpets.
• What does buildings insurance cover?

  Buildings insurance usually covers damage caused by the following:

  • Theft, attempted burglary or vandalism.
  • Storms, lightning, floods or snow load.
  • Subsidence, land movement or landslip.
  • Fires, explosions, earthquakes and smoke.
  • Fallen trees, telegraph poles or lampposts.
  • Water leaks and frost damage to fixed water tanks, equipment or pipes.
  • Oil leaks and smoke from a fixed domestic oil-fired heating boiler or a fault in any fixed domestic heating installation.
  • Aircraft and other flying devices including fallen items.
  • Broken TV aerials, fixed satellite dishes, fittings and masts.