Buildings Insurance is a vital cover that protects the structure of your property. It covers the cost to rebuild or repair your home after a claim. This is a mortgage requirement.
This policy protects the items within your home against theft or damage. For instance, items like carpets, curtains, white goods and furnishings.
Covers your property and its contents for the cost of unexpected, unintentional damage. For instance, the cost of repairing a window smashed by a child’s football.
PUBLIC LIABILITY INSURANCE
Included as standard, Public Liability Insurance protects you in the event of damage or injury to a member of the public, or their property, as a result of your property. For instance, if someone trips in your garden and decides to take legal action.
EMPLOYERS' LIABILITY INSURANCE
This is included in your insurance policy. It provides cover in respect of your legal liability for accidental injury or illness for your domestic
employees, such as gardeners and cleaners.
PERSONAL ITEMS INSURANCE
Worldwide cover against theft, accidental loss or damage for clothing, mobile phones, tablets, handbags, money, credit cards and pedal cycles. Individual, high-value items can be added to your policy but they must be specified in your policy. For example, if you have high-value jewellery or technology (typically worth more than £5,000), we can arrange protection both within the home and outside.
RISK MANAGEMENT ADVICE
We can recommend a range of trusted specialists, who can advise you on valuations, flood protection and security.