Whether you’re buying a new home or re-insuring one, it’s essential to ensure that you have adequate cover to protect both the building and the contents of your home.

Your home is where love resides, memories are created, friends belong and laughter never ends.  The magic thing about a home is it feels good to leave, and even better to come back.

Your home insurance policy should be tailored to your home and situation and we can help with that.

Defaqto in an independent research firm who operate a star system scaling the quality/level of cover is provided by Home Insurance policies.  Generally speaking, products with a one or two star rating give a basic level of cover and those with four or five stars give higher levels of cover with many additional benefits and add-ons included.  More information about defaqto can be located on their website www.defaqto.com.

Building’s cover may include the following significant features and benefits,

  • Buildings Sum Assured
  • Property Owner’s Liability Cover
  • Alternative accommodation for you and your pets
  • Loss or damage to your trees, shrubs, plants, hedges and lawn
  • Trace & Access to leaking water or oil

Contents cover may include the following significant features and benefits,

  • Contents Insurance This can be increased for an additional premium
  • Occupiers’ Liability Cover
  • Alternative accommodation for you and your pets
  • Specified items & valuables cover
  • Replacement of food from your freezer that has been spoilt by accidental change in temperature
  • Business equipment cover
  • New for Old
  • Increased contents cover for wedding gifts

All insurance policies carry certain circumstances where claims are not payable, these are known as exclusions.

Some examples of common exclusions include:

  • Any loss or damage caused by wet rot or dry rot
  • General wear and tear
  • Storm or flood damage to fences, hedges and gates
  • Loss or damage by some events which occur after the insured property has been unoccupied for more than 60 days
  • Loss or damage by theft or malicious damage is excluded unless force and violence is used to get into or out of your home
  • There is no Personal Liability cover provided by the policy

Excesses are also subject to variation between companies and within policies themselves so it is important to be clear what you would need to pay if you needed to make a claim.

To see how we could help get you the most suitable cover in place for your home insurance needs, please call Brooke Financial on 01132555762 for a no obligation quote.

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