Buildings & contents insurance covers your clients’ buildings, contents and other belongings against a number of uninsured events including fire, flooding, storm, subsidence and theft, as well as providing both sum insured and bedroom-rated solutions.

Buildings & Contents insurance cover details

What’s covered
  • Buildings and/or contents against perils including escape of water, fire, flooding, storm, subsidence and theft.
  • Buildings insurance covers the structure of your home, roofs, walls, fences, gates and outbuildings, plus permanent fixtures like kitchens, bathrooms and fitted wardrobes.
  • Contents insurance provides cover on a new for old basis for household goods, including furniture, carpets, curtains, and your personal belongings in the home, garages and sheds.
  • Alternative accommodation if you and your family have to move out of your home following a claim. This can also include kennel cover for pets.
  • Automatic increase in sums insured either side of weddings, birthdays and religious festivals.
  • Loss or damage to food in freezers and/or refrigerators caused by failure of the electricity supply.
  • Home office equipment owned by you (i.e. computers, printers, fax machines, photocopiers).
  • Contents temporarily removed from the home, for example while children are at university.
  • Public and personal liability, for damages and claimants’ costs and expenses which you become legally liable to pay for as property owner/occupier.
  • Trace and access cover for identifying the source of leaking water or oil.
What’s not covered
  • Loss or damage as a result of wear and tear or any gradually operating cause.
  • Loss or damage to drives, patios, gates, hedges and fences arising from flood, storm or subsidence.
Optional cover
  • Optional additional covers include accidental damage and personal possessions away from the home, such as electrical gadgets or jewellery and watches.
  • Further add-ons such as home emergency and legal protection are also available.
Ways to trade
  • Schemes – Build your business by offering bespoke personal lines insurance which meets your customers’ exact needs.

Explore the Buildings & Contents insurance market

Market information
  • According to the Association of British Insurers, 76% of households have contents insurance and a further 64% have buildings cover.1
  • In 2014 household insurance saw premiums written standing at £6.6bn and profits at £500m, according to research by Deloitte.2
  • The average premium paid for both buildings and contents insurance in Q4 of 2014 was 4% down on the previous quarter.3

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