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Home Insurance

We’ve got you covered 

Home insurance protects your home and its belongings. It can cover the cost of repairing or rebuilding your home if it’s damaged by things like a fire, a storm or a flood.

It can cover the cost of replacing the items in your home if they need repairing or replacing due to damage, or if they are stolen. 

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There are two types of home insurance

Building and contents insurance

Building insurance covers damage to the physical structure of your home and any permanent fittings or fixtures.

Contents insurance covers the contents within your home against loss, damage or theft.

You can take each out as a separate policy or as a combined policy from the same company.It is usually a condition of the mortgage that you have Building Insurance in place when you take out any type of mortgage or remortgage.

Building insurance

Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged by an insured event, such as fire, flood, storm, subsidence, vandalism, or escape of water. It also covers permanent fixtures and fittings, such as windows, doors, pipes, wiring, and fitted kitchens and bathrooms. 

Buildings insurance usually covers the following:

The structure of your home, including walls, roof, floors, ceilings, foundations, and garages.

Permanent fixtures and fittings, such as windows, doors, pipes, wiring, and fitted kitchens and bathrooms.

Outbuildings, such as sheds, greenhouses, and garages.

Boundary walls, fences, gates, driveways, paths, and patios.

Swimming pools, hot tubs, solar panels, and wind turbines.

Buildings insurance does not cover the following:

Wear and tear or gradual deterioration of your home.

Damage caused by poor maintenance or DIY disasters.

Damage caused by pests or vermin.

Damage caused by war, terrorism, nuclear radiation, or sonic booms.

Damage caused by deliberate acts or negligence by you or anyone living in your home.

Contents insurance

Contents insurance covers the cost of replacing or repairing your personal belongings and household items if they are stolen, damaged, or destroyed by an insured event. It also covers your legal liability if you accidentally injure someone or damage their property with your contents.

Contents insurance usually covers the following:

Furniture, carpets, curtains, bedding, and clothing.

Electrical appliances, such as TVs, laptops, fridges, and washing machines.

Valuables, such as jewellery, watches, art, and antiques.

Money and credit cards up to a certain limit.

Personal possessions that you take outside your home, such as mobile phones, cameras, and bicycles (you may need to add extra cover for these items).

Garden furniture and equipment up to a certain limit.

Contents insurance does not cover the following: 

Wear and tear or gradual deterioration of your contents.

Damage caused by pets or vermin.

Damage caused by war, terrorism, nuclear radiation, or sonic booms.

Damage caused by deliberate acts or negligence by you or anyone living in your home.

Business equipment or stock (you may need a separate policy for these items).

Why arrange your home insurance with us?

Expert advice

An expert to advise you and ensure you have the most suitable cover

Reputable providers

Access to a panel of reputable insurance providers

Easy application

It’s straightforward – we complete the application on your behalf

Not just standard policies

Comparison sites only offer ‘standard’ insurance policies and won’t necessarily take your circumstances into account.

Fee Free Service

Our service is fee-free – other fees may apply from third parties.

Peace of mind

Peace of mind you and your family are protected.

Let’s find the right home insurance policy for you

Our friendly and experienced advisors will be happy to help you find the most suitable home insurance policy for your needs.

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Home Insurance FAQs

  • Your home is your biggest asset. It's important to protect it financially in case of an unexpected event, such as a fire, flood, or storm. 
  • Your lender may require it. If you have a mortgage, your lender will require you to have building insurance. 
  • It can protect your belongings. Home insurance can also cover your belongings if they are stolen or damaged.
  • The cost of repairing or rebuilding your home.
  • Your belongings if they are stolen or damaged.
  • Additional coverage, such as liability insurance, can protect you if someone is injured on your property.

All insurers' policies are different, so it's important to check your policy for the full details of what is covered.
  • Buildings insurance covers the cost of repairing or rebuilding your home. 
  • Contents insurance covers your belongings if they are stolen or damaged. 
  • You can also get a combined buildings and contents insurance policy.
  • No home insurance covers everything. Some events, such as wear and tear, are not typically covered by home insurance. 
  • You should carefully read the terms and conditions of your home insurance policy to understand what is and is not covered.
  • Failing to disclose a material fact when you apply for the policy.
  • Making a fraudulent claim.
  • Not taking reasonable steps to protect your home from damage.

You should carefully read the terms and conditions of your home insurance policy to understand what could invalidate your coverage.
  • Excess refers to the amount you agree to pay towards a claim before your insurance coverage takes effect. 
  • It's a way to share the cost of a claim with your insurer. 
  • For example, if you have a claim for accidental damage that amounts to £500 and your excess is £100, you would pay the first £100, and the insurer would cover the remaining £400. 
  • It depends on your home insurance policy. 
  • Some policies do cover mobile phones, while others do not.
  • You should check your policy documents to see if your mobile phone is covered.
  • Cover limits are the maximum amount that your insurer will pay for specific types of claims or categories of items. 
  • It's important to be aware of these limits to ensure that your policy adequately covers the value of your belongings. 
  • If your claim exceeds the cover limit, you might be responsible for covering the additional costs.
  • Accidental damage cover is an optional extra in home insurance that protects you from unexpected events that cause damage to your property or belongings. 
  • This could include incidents like spilling paint on your carpet or breaking a valuable item. 
  • With accidental damage cover, you can get financial support to repair or replace damaged items.
  • Yes, if you're a landlord, having home insurance is still important. 
  • It can provide cover for the structure of the property you're renting out as well as the contents you provide, such as furniture and appliances. 
  • This cover is crucial because you may not always have control over how your tenants use your property.
  • If you're planning to move or acquire additional properties, it's important to inform your insurer. 
  • They can help you update your cover to ensure that it remains accurate and relevant to your new circumstances. 
  • Keeping your insurer informed about changes helps maintain the effectiveness of your policy.

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  • 01543 464 144
  • info@newhomesadvice.co.uk
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