FAQ Insurance

Building Insurance

Building Insurance

When the structure of your property has been damaged or your home has been lost to fire or natural disaster, isn’t it safe to say that having building insurance would make life a whole lot easier, especially when it comes time to repair or rebuild the property.

The costs to repair the damage or to reconstruct your property doesn’t need to be a financial burden, if you’ve taken out building insurance. Building insurance cover does differ so it’s important to know if you want to take out current market value insurance or fixed value insurance.

Unfortunately market value can rise or fall depending on the salable value of your property, and because of it’s unfixed nature your building insurance might fall short and this won’t cover the costs to rebuild your property.

By talking to a mortgage lender or insurance company they can discuss with benefits and risks involved depending on the type of  building insurance cover you take out. Taking out 100% insurance cover gives you the peace of mind that no matter if the damage is minor or major it will cover the full replacement costs.

This is why mortgage lenders insist on you having building insurance, because they want their loan to be secure and your asset to be protected. Read more »

House & Contents Insurance

House & Contents Insurance

We like to think of our home as a sanctuary, a place where we can feel safe and comfortable with our families. A home is often the most valued asset we have that contains our worldly possessions, that go into making a house a home. Not having house & contents insurance directly impacts our quality of life and peace of mind.

Protecting your home with house & contents insurance will insure you can breathe easier knowing that you’re protected against the unthinkable. When looking for house insurance and or household insurance, policies can vary in price considerably, so it’s important to get several home insurance quotes and compare them to get the best price available.

If you don’t have time to go from one insurer to the next  you could always use an insurance price comparison tool. This tool is a convenient way to compare insurance quotes from a group of insurers to give you a competitive price for home insurance. Before using a tool like this it’s really important to know what you’re looking for so you’re covered by the right home insurance policy.

If you’ve never been insured for house & contents insurance before, our site is informative and will help to explain what you need to consider before taking out a home insurance policy. Read more »