3rd May 2016

Buildings And Contents

If you own your own house, flat, cottage, etc you have either thought about taking out Buildings and Contents Insurance or have been offered Buildings and Contents insurance.

This insurance can be given out in three ways: Buildings only, Contents only, or Buildings and Contents together. There is no right or wrong answer for which you should take out as it is entirely up to you. Buildings Insurance covers the actual structure of your property and any fittings or fixtures. This means walls and sinks alike are covered by with Buildings Insurance. Contents Insurance covers quite literally the contents of what you hold in your property. Therefore, if a burglary attempt is made on said property, then your Contents Insurance covers you.

What can be added?

When you take out Buildings and Contents Insurance that is all you’re getting unless you apply for add-ons. These add-ons include:

  • Accidental Damage cover: In short, this covers unintentional damage in your home. This can be applied to either Buildings or Contents or both.
  • Personal Belongings cover: As soon as a personal item is taken out of the home by you or someone who lives in your property, they are no longer covered by contents insurance. Therefore this covers possessions like mobile phones, laptops, jewellery, etc.
  • Legal cover: This covers you from being sued or having to make a claim.
  • Home Emergency cover: this covers a multitude of things like burst pipes, leakages, pest infestation, etc.

None of these add-ons come free and therefore they will boost the premium price you end up paying, but depending on what you own and what you feel needs extra protection can depend on your decision of what cover you need as well as the Insurance.

If you have any queries on Buildings and Contents Insurance or wish to discuss taking out this insurance, you can get in contact with our General Insurance Adviser Emma on this email address emma.white@pfgmail.co.uk or you call her by dialling 01603 964860.

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