Compare Building And Contents Insurance
Looking for cheap building and contents insurance?
Building insurance is vital for homeowners and landlords to cover the property against damage caused by wear and tear, weather conditions and other unforeseen events such as fire or landslide. Unless you have the capital to buy your home outright without borrowing any money, acquiring building insurance is normally a mandatory part of obtaining a mortgage in the UK. If you’re a landlord who has leased your property out for extra income, it is your responsibility by law to make sure the building is insured and that it is safe for use by your tenant. If the property is damaged, the insurance provider can pay out a sum of money to enable you to get the necessary repairs. Areas usually covered by insurance include the structure of the building (walls, ceilings and roofing of the house) and gates and fences around it. Any permanent internal fixtures will also be covered, such as built-in cookers or wardrobes, the bath tub and the piping in the house. Building insurance does not cover movable furnishings or wear and tear damage to the inside of the property.
Content insurance covers the possessions in your house from loss, damage, natural disaster or theft, subject to various conditions. Your premiums cover personal belongings up to a certain amount (dependant on your needs and the value of your items). Some policies cover money kept in your property or any office equipment if you work from home. Some policies also cover accidental damage to furniture, even if the damage was the result of someone elses vandalism.
Compare contents and buildings insurance for your house with Quotezone today. Just type in your details within our online form and we will compare quotes provided by our panel of UK insurance providers in minutes!