Buildings and Contents:

It is a mandatory requirement for you to take out a minimum of buildings insurance on your mortgaged property. Buildings cover only usually covers the bricks and mortar of the property, including fire, flood and subsidence. 

Contents cover is an optional extra to cover the contents of your property. Usually items up to £2,500 are covered as standard (TV, Laptop, game consoles, glass tables etc) Any high value items will have to be added separately on a case by case basis. 

Available as an optional extra, home emergency covers tradesman callout fees, broken down boiler cover and leaking pipes. 

Accidental damage cover is also an optional extra and ensures you are covered in the event of damaging a sofa or spilling wine on a carpet for example. 

Optional extra designed to offer cover against neighbour disputes or legal action regarding planning permission. This is often overlooked as part of the buildings and contents package. 

 Please note, as with all insurance policies, conditions and exclusions may apply.