email: lincoln@kindfinancialservices.com

tel: 07515 770993

Building & Contents Insurance

Household Insurance

There are two types of household insurance - buildings and contents. They are separate entities but can normally be bought together, usually with a discount.

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Buildings Insurance

This covers the actual structure of your home. It will always include the main building and can be extended to cover sheds, the garage, fences, swimming pool etc. Buildings insurance is only a consideration if you own the property. If you own a flat you will still be responsible for buildings cover, usually as determined by the ground rent and buildings agreement, which usually means that the liability to cover is apportioned between properties. This is sometimes covered under the Service Charge.

A good buildings insurance policy should cover you for fire, flood, subsidence, storms, lightning, theft or vandalism, escape of water and oil, and damage caused by falling trees, branches or other objects.

If you are a homeowner, having buildings insurance is normally a mandatory requirement of having a mortgage.

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Contents Insurance

This covers practically everything within your home including furniture, household goods, food and drink, TVs, computers, clothing and valuables, usually up to a stated limit. This type of insurance is not compulsory and no mortgage lender can insist you take out contents cover so you will need to source this yourself.

This policy pays out if any of your home contents are lost or damaged, following a burglary or a fire, an explosion, leaks or vandalism, and also for accidental damage (although this is often an optional extra)

Many insurers cover the cost of replacing locks if your keys are stolen. Most policies may be extended to cover accidental damage or loss of valuable items you frequently take out of your home, such as jewellery, cameras and sports equipment. This is known as an 'all risks extension'

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Registered in: England & Wales

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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