General Insurance
Buildings & Contents Insurance
Building insurance is often something that a mortgage lender will insist upon when offering a mortgage deal, but it is also very important to have for your own peace of mind. Building insurance polices vary a great deal between lenders, so it is a good idea to shop around to make sure you are getting the best deal available. Building insurance polices generally cover things like:
- Damage from flood, storm, fire, theft or subsidence
- Breakage of fixed glass
- Permanent fixtures such as bathrooms
- Damage to services
- Damage to the walls
- Property owner's liability
Contents insurance is a necessity whether you are a homeowner or tenant and provides you with the peace of mind that your possessions are covered in the event damage, destruction, theft or loss. In most cases, contents insurance includes all non-permanent structures as well fixtures and fittings in your property such as:
- Carpets
- Curtains
- Furniture
- Electrical appliances
- Higher value items (jewellery or antiques)
However, it may be worth considering separate contents insurance for exceptionally high-value items especially if you have children or pets. Typical contents insurance policies will cover the following:
- Weather-related damage
- Fire and flood
- Theft and vandalism
Additional cover for such things as accidental damage can be added to a standard policy as can the possessions of others living in the property for an extra charge. Also many policies now offer cover for items away from the home -a good option if you have children at university or are likely to be travelling regularly with items of significant value.
Gemini Wealth Management also offer combined building and contents insurance.
For more information on buildings and/or contents Insurance, call us FREE on 0800 255 0123 or [click here] for one of our advisers to contact you.
