Building & Contents Insurance
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Protection for your Home and Valuables
For most of us, a home is more than just a structure; it’s where memories are made and treasures are kept. Ensuring the safety of this haven is of utmost importance. Buildings & Contents (B&C) Insurance provides this essential protection, guarding both the structure and the precious possessions within.
Why is Building & Contents Insurance Crucial?
While having proper Insurance is mandated by mortgage conditions, it’s about more than just ticking off a checklist. It’s about peace of mind.
Consider this: unforeseen disasters could render your property uninhabitable, but your mortgage obligations won’t pause. This is why having comprehensive B&C Insurance is paramount.
Not only does it secure the physical structure, but it also safeguards all that’s inside — from your favourite loungewear to your latest gadgets.
Decoding Building & Contents Insurance
Buildings Insurance
This covers the foundational aspects of your home, the walls, roof, fixtures, and permanent installations like plumbing and wiring. Essentially, it’s about the physical bricks and mortar that make up your home.
Contents Insurance
Think of this as a protective blanket for your belongings. Whether it’s your state-of-the-art TV, plush sofa, or cherished trinkets, contents insurance protects them against theft or damage. Some policies even extend this protection to when you’re on the move.
Opting for a combined Buildings and Contents policy with the same insurer can streamline the process. However, always do a comparative analysis to ensure you’re securing the best deal – that’s where we come in.
Factors Influencing Home Insurance Premiums…
Your insurance cost isn’t arbitrary. It’s determined by:
- The type and age of the property.
- The value of your possessions.
- The property’s location.
Past insurance claims, if any.
What’s Covered and Whats Not?
Commonly Covered
- Fire Damage: Protection against accidental fires.
- Floods and Storms: Safety against nature’s unpredictable wrath.
- Burglary and Vandalism: Safeguarding your home and belongings from unwanted intrusions and deliberate damages.
- Burst Pipes and Water Leaks: Covering potential water damage.
- Subsidence and Ground Heave: For structural protection against shifting grounds.
Typical Exclusions
- Wear and Tear: Aging and regular depreciation aren’t
- Negligence: Damages arising from carelessness.
- Lack of Maintenance: Issues that emerge from not upkeeping the property.
- Misinformation: Any damage due to providing incorrect details.
- Unoccupied Properties: Houses left vacant for extended periods, typically beyond 30 days.
At Envoy, we’re by your side to ensure you have the necessary insurance to protect your property and precious valuables.