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PROTECT YOUR HOME

These plans will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Home Insurance is a term for describing two different types of general insurance:

  • Buildings Insurance

  • Contents Insurance

Building Insurance

If you own your home, then you may want to seriously consider having buildings insurance, as I might to be very costly in case something happens to your house such as fire, sinkhole etc. Buildings Insurance covers the fabric of the house such as the walls (including windows and doors), floors and roof as well as permanent fixtures such as a kitchen or bathroom.

Here are some of the examples that this type of insurance covers you for:

  • Fire

  • Storm

  • Flooding

  • Subsidence

  • Vandalism

  • Leaking pipes

  • Explosion

Contents Insurance

This insurance covers you against loss or damage to your personal possessions which are inside your home and if included your garage and outhouses (Annex). Some insurance policies will give cover for items you take outside of the home such as laptops and mobile phones.

These are the main types of cover available:

  • New for old – Term used where the insurer will replace everything that was lost for brand new items.

  • Indemnity cover – Term used, as this will pay out the value of what was lost which is not necessarily the cost of replacing the item new. This can be a false economy even though the premium maybe less expensive.

Some policies include accidental damage, legal advice and cover, personal possessions, and home emergency cover as an additional extra (AMS qualified advisors will make clear and explain all that you need to know).

If you are exploring options for a high-quality home insurance from a reputable insurer who has a high “pay out” claims percentage then

Speak to Ailes Mortgage Solutions Limited today to discuss your options in detail.

Get in touch

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