Buildings insurance usually covers the structure of your home and any fixtures or fittings, garages, drives, fences, walls, out-buildings, swimming pools and tennis courts.
Insurance cover includes the cost to repair or rebuild your home if it is damaged to a set rebuild cost although some insurance companies have an unlimited level of cover.
Contents insurance is cover for your household contents, i.e. furniture, carpets, curtains, television, kitchen equipment, ornaments, personal possessions, clothing, computers, etc. It is the total value of everything that is in your home that you would take with you if you were to move. With most contents insurance there is the ability to insure your personal possessions away form the home. This optional cover allows you to insure your personal items normally worn or carried outside the home, e.g. watches, jewellery, cameras, anywhere in the world for up to 60 days a year.
We understand that buying any Protection Policy can be a hard decision for some given the uncomfortable questions it raises. However, we know that planning for the future is important and are happy to take the time to discuss all aspects of these policies to ensure that you choose the right policy for your circumstances.
There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneymadeclear.org.uk