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What does Contents Insurance Cover?
Contents Insurance covers loss or damage to your possessions whilst they are in your home howsoever caused (apart from personal malicious damage).
Why is Home Insurance so Important?
Your home is probably your single largest investment and your mortgage will be secured against it. If you’re uninsured and your home were to burn down, then not only have you lost your home and largest investment, but you’re still faced with paying back the mortgage in full.
What Information Will You Need to Provide
For Home Insurance you’ll need to enter details about:
Can you be insured straight away online?
If your home is a little unusual in some way, for example its construction is none standard or you want a particularly high level of insurance, then your details may have to be considered individually.
What is Index Linking and should you have it?
Index Linking means that each year the insurance company will automatically increase the sums insured under your policy to reflect changes the country's rate of inflation.

How Do You calculate the rebuilding cost for your Home Insurance?

You don’t need to! Both the companies that handle our Home Insurance will estimate your rebuilding cost based upon the information you provide and show you their suggested figure on screen.

Whilst a calculation will be made for you, you can change the suggested rebuilding cost. This may be appropriate if you have an up to date rebuilding cost from a surveyor or sometimes your mortgage lender will tell you how much they want the property to be insured for.

If you really want to work out the figure for yourself, we recommend that you obtain one of the following leaflets:

“How to work out the Rebuilding cost of your home” published by The Association of British Insurers. You’ll find their web site at:
www.abi.org.uk


“Guide to House Rebuilding Costs for Insurance Valuation” available from The Royal Institution of Chartered Surveyors.

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