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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.
How can we promise you a really low price?
We have searched the market extensively to identify the two companies most likely to give you the best deal.
How are the premiums calculated?
All the questions you are asked to complete online will influence your premium even down to your postcode. Within milliseconds all your details will be electronically transmitted to a main computer which works out your premium.
Do you have to buy your Home & Contents Insurance through your mortgage lender or mortgage broker?
No, you can buy your Home and Contents wherever you choose. And you’re likely to make a significant saving buying here online.

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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