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Buildings & contents insurance
Most people are familiar with this insurance product. It is important that you take out adequate cover as underinsuring can mean you receive reduced pay outs in the event of a claim, or even no pay out at all. Your valuation report should tell you the reinstatement value of your home for building insurance purposes.
It is a condition of all mortgages that you take out buildings insurance for at least the rebuild value for your property. We recommend that you adequately insure your contents as well, including cover for valuable items that you may take away from the home.
Not all building and contents insurance is the same. It is very important to read the policy details to check what exactly is covered. For example, many cheaper policies include no, or minimal, trace and access cover. This insures you in the event you have a water leak in your home and need to find the source and remedy the problem.
You can check the rating on your policy by visiting https://defaqto.com/star-ratings/home-insurance. We can provide quotations for a 5 star Defaqto rated policy from Uinsure.
For more information and to discuss your requirements, get in touch with us.