We have access to a wide range of insurance providers, so the features that are included in your policy can vary and are tailored to suit your needs. Typically, policy cover includes:
This covers for most instances of damage to your home, or insured external buildings such as garages, swimming pools, tennis courts and other outbuildings. In the event of the worst case, such as catastrophic damage from a fire, then your policy will also include a rebuild cost for your home. One of the biggest – and most common claims often experienced is an escape of water. This can cause devastating damage and cover can provide for alternative accommodation during repairs if your home is uninhabitable.
Often described as everything that would fall out of your house should you tip it upside down. Understanding the value of everything inside your home is often tricky and is one of the most undervalued aspects for most standard policies. If you feel that you may be struggling to get the correct value of your contents, talk to our home insurance experts.
The highest value assets in your home are not always covered as standard. Insurance providers will often have a maximum single article limit cost and so higher value items may need to be specified separately. If a claim for an item exceeds the single article limit and is not specified separately in your policy, then you may find yourself footing the bill to replace or repair it.
“All risks” worldwide cover can also be provided for such items away from the home – including theft, accidental loss and damage.
If you have a number of higher value items, such as jewellery, art or antiques, it’s vital to choose the right high-value home insurance.