What is Buildings Insurance?
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Tips for Buying Home and Contents Insurance
How do I calculate the value of my home contents?
What would a Home Insurance Policy consider to be valuable?
Will I need to consider Legal Expenses Insurance?
Ten Tips for buying Home and Contents Insurance
Explaining the Commonly used Terms of Home Insurance
Buildings Insurance policies always cover the cost of repairing or rebuilding your house.
In many cases the policies also cover your out-buildings, garages, constructed drives, walling, fencing, swimming pools and tennis courts etc. However, always check out exactly what is included within the policy's cover.
Standard Cover applies to specified perils, such as: fire, lightning, earthquake, storm, flood, burst pipes, theft, vandalism, impact, falling trees, subsidence, heave or landslip.
Accidental Damage Option: Home Insurance Policies already cover accidental damage to any underground pipes and cabling, fixed glass, and toilet fixtures and fittings, e.g.. baths, shower trays, sinks etc. You can increase this cover by taking out additional accidental damage cover. This will cover you for all of the above but also provide cover for destruction or damage due to accident to the rest of your home, such as putting your foot through the ceiling!
Always ensure that you insure you house for it's full cost of rebuilding. If you insure for less, your claim will be reduced due to insufficient insurance cover.
-- Please Note --
The photograph of Charles Challiner is posed by a model. This web site has no connections intended or otherwise, to Lloyds of London or Lloyds.com. This website endeavours to provide general information in relation to various types of insurance. We hope you find this information useful. In no circumstances should the information we provide be construed as Lloyds Insurance Underwriting providing you with specific advice in relation to your personal circumstances.
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