Household Insurance

House insurance or homeowners' insurance is an insurance policy that can cover your buildings, your contents, loss of use (additional living expenses), home liability and often, personal possessions. To make sure that you do not suffer as a result of any damage to your building or your possessions it is vital to invest in a suitable house insurance policy.

Buildings Insurance
Buildings insurance enables you to cover the cost of repairing or rebuilding your home in the event of a fire, flood, or other damage. It protects the structure of your home including permanent fixtures, bathroom fittings and fitted kitchens. It is important to note that the value of your home for insurance purposes is the cost of rebuilding the house and replacing the permanent fixtures. 'Under-insurance' can be a problem so you should inform your insurance company of any expensive modifications to your home as soon as possible.

Contents Insurance
Home contents insurance covers the contents of your home and outbuildings. We are able to arrange various levels of cover from ‘new for old’ to a more comprehensive policy including full accidental damage and personal possessions.

Cover can include:

• Televisions
• Computers
• Laptops
• MP3 players
• Phones
• Carpets
• Furniture
• Clothes
• Books
• China etc.