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Buildings and Contents Insurance
Buildings insurance covers damage to the actual structure of your home, such as the roof, walls, floors, ceilings and foundations. For example, if your house is destroyed or rendered inhabitable, you can claim the cost to rebuild or carry out the necessary repairs.
Normally, you will also be able to claim the cost of alternative accommodation while the rebuilding work is undertaken. Buildings insurance may also include outbuildings such as sheds or garages.
If you have a mortgage, your lender will insist that you have buildings insurance. However, we would strongly advise that you take out contents insurance whether you are required to have buildings cover or not i.e. if you are a tenant, so that you are protected.
It's important to arrange contents insurance so that your belongings are covered against things like fire, theft and flood. Contents insurance can also cover things like business equipment, contents temporarily removed from your home, lock replacement, special events cover and so on.
Speak to our experienced financial advisers to find out how much cover you need and to arrange a competitive policy.
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