Buildings and Content
Buildings and Content
Home insurance protects you if something happens to your home, like a fire, flood, or break-in by an intruder.
Home Insurance
Home Insurance
Home insurance is there to protect you if something was to happen to your home. For example, a fire, flood or if someone was to break in.
In order to make a claim on your policy you will need to contact your insurance provider and submit a claim. There is usually an excess fee you will need to pay on your policy too.
The type/amount of cover you have depends on multiple factors including, the cost to replace an item in your home and the amount it would cost to rebuild your home.
There are 2 types of cover within home insurance, including Buildings Cover and Content Cover. You can either take these policies out separately or combined.
insurance guide
Building and Content Cover
Building and Content Cover
There are two types of cover you can choose from, which cover different areas of your home.
What Is Building Insurance?
Building insurance covers you in the event something was to happen to your home's structure. This includes anything that is fixed to your home and the ground for example your kitchen and roof.
What is Contents Cover?
Contents cover, covers the cost of replacing the contents in your home if it gets damaged, stolen or anything else that’s specified in your policy. This can include things such as furniture and electrical appliances like a TV.
What’s included in Buildings and Contents Insurance?
What’s included in Buildings and Contents Insurance?
Whilst your own individual policy will clearly outline what things are and are not included, in a typical policy these are the types of things you can expect to be covered:
Buildings:
It covers the cost of rebuilding or repairing your home if it's damaged by events such as:
- Fire
- Storms
- Theft or attempted theft
- Vandalism
- Subsidence
- Moving objects including vehicles, falling trees or lamp posts
Contents:
It can cover items such as:
- TVs
- Freestanding furniture, like wardrobes and cabinets
- Sofas
- Electronics such as games consoles or smart home systems
- Subsidence
- Theft
- Accidental Damage
- Leaks
Contents insurance safeguards you against the cost of repairing damage caused by events like:
Things To Consider For
Home Insurance
Things To Consider For
Home Insurance
Benefits
Protection
With Home Insurance, you’ll gain peace of mind if your home is protected in the event of damage or theft. You won’t have to worry about the financial repercussions either since your provider will payout.
Alternative Accommodation
Depending on the type of policy, you may be offered alternative accommodation if your home was to become uninhabitable due to a fire/flood etc.
Add on options
Most insurance providers will give you the option to pay for additional benefits to add onto your policy such as emergency call outs.
Considerations
Cost
Make sure to check the amount of excess you’ll need to pay in the event that you need to claim on your policy. You need to ensure it’s an amount that you will be able to pay if something were to happen.
Policy Limits
It’s important to note that policies vary and some policies may not include every event that might occur to your home which causes damage. Make sure to check the fine print and ask questions if you’re unsure.
Frequently asked questions
Frequently asked questions
Who is home insurance for?
To put simply, homeowners.
If you own and live in your home, then you might want to consider both buildings and content insurance.
If you rent a home then you might only need contents cover as your landlord will have buildings.
And finally, if you’re a landlord then you might not need to take out contents but buildings might be a good option for you.
How much does it cost?
The cost of home insurance can vary depending on a variety of factors including:
- The age of property
- How long you have lived there
- If you’ve claimed before
- The amount it would cost to rebuild your home
- What you’re trying to insure
How do I apply for a building/content insurance policy?
You can fill out our contact form, click the book now or call us to speak to one of our protection advisers who can search the market to find you the most suitable policy for you.
I'm moving home and already have Buildings and Content insurance, do I need a new policy?
Why choose UKMC for help getting your Home Insurance?
Here at UKMC, we want you to feel as comfortable as possible.
We provide tailored, straightforward advice for your unique circumstances and needs. We understand that unexpected events can have significant financial repercussions, and we want to help ensure your home is financially protected. That’s why we search and compare home insurance policies across multiple providers for you
