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The important thing to remember with all insurance is to not compare price alone. You need to know what is actually covered by each policy, and whether it suits your requirements.
Building insurance covers the physical structure of your building, calculated by how much it would cost to rebuild. It usually includes fixed fittings (such as bathrooms and kitchens), utilities and outbuildings such as greenhouses, garages and sheds.
Because building insurance is usually a requirement when getting a mortgage, lenders may offer you their own. Don’t take the first thing offered – it pays to have us look at the whole market to find the best deal for the most suitable cover.
Homeowners, including landlords, need buildings insurance to cover the cost of accidental damage or rebuild costs to their property if anything went wrong. It is usually an obligation for getting a mortgage.
Contents insurance, on the other hand, is not a legal requirement (although sometimes tenants need it to sign a letting contract). However, you should have it, because it covers your possessions (the un-fixed things in your home) in the event of theft or fire. Imagine how much it would cost to buy all of your possessions again brand new – clothes and furniture and appliances soon add up to a tremendous sum.Contact us now Let us help you with your mortgage needs →