It’s a sad fact that we only see the benefit of home insurance when things go wrong.
A little bit of care in selecting your insurance can make the world of difference, though, when the worst does actually happen, so let MAIN help you to find the policy that gives you exactly the cover you require at a cost that’s tailored to fit your budget.
You’ll need to consider the extent of cover needed, the excesses and exclusions, the settlement terms (new for old, or fair market value), the no-claims discounts, the cover for goods taken out of the home and the definition of valuables that may need separate cover – sounds complicated, but we can help you through the maze to find your ideal solution.
When you own your own home, you need to have buildings cover in case your home is damaged and needs a repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility – not your tenants.
It covers the structure of your home, so the roof, walls and windows. It also includes the permanent fixtures, such as the fitted kitchen and the bathroom suite. Buildings insurance policies vary, but they should all insure your home in case of fire, storm, flood, subsidence, burst pipes and theft.
This protects your household belongings against theft, loss and damage (like fire, for example). It’s worth thinking about what it might cost to replace all your treasured possessions if disaster did strike.
It can also cover you for loss or theft or damage if you take items outside of your home – on holiday, for example.
Buildings & Contents Insurance
In order to have the highest level of cover, you can combine the two policies into one combined policy. This will give you that absolute peace of mind, should the worst happen.