Property Insurances
What is it?
Property insurance provides protection against most risks to property, such as fire, theft, and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance.
What will you need to consider?
Buildings Cover – This cover is compulsory if you have or are taking out a mortgage, whether you are moving in or letting the property. This covers any rebuild costs in such events as fire, storm or flood damage.
Contents Cover – This covers you for all contents in your property. Essentially if your home was tipped upside down, everything that falls out. Many people grossly underestimate the value of their contents and therefor it is helpful to have assistance from someone with the necessary experience. In the event of a claim you will get the items replaced or the money to replace them.
Landlord Insurance – Landlords’ insurance is designed to protect you and your property against any risks inherent to renting. Policies can cover things such as loss of rental income and damage to the rental property. The coverage depends policy to policy, so it’s best to speak to an advisor on what provider and policy will best suit you.
Tenant Insurance – Renting and want to cover yourself, we can help source a policy for you – So you can be sure that should anything happen to your property or contents, you’re protected. Cover varies policy to policy so speaking to an experienced advisor is recommended. Policies often cover things such as: accidental damage, legal expenses and theft.