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The policy could also provide you with alternative accommodation if your home is uninhabitable. Be sure to not simply opt for the cheapest building insurance quote available and think about your needs.
Use the price comparison tool at moneysupermarket.com to find a building insurance policy that offers the best cover at the cheapest price. As well as the structure, buildings insurance also covers permanent fixtures and fittings including baths, toilets and fitted kitchens, bedroom cupboards and interior.
The test is whether or not the fixture can be removed and taken to a new home, for example fitted cabinets. Policies will also usually cover outbuildings such as garages, greenhouses and garden sheds but might not cover boundary walls, fences, gates, paths, drives and swimming pools.
For landlords, building insurance is crucial, as it is for all homeowners. For tenants, building insurance is usually covered by the landlord and only contents insurance needs to be considered.
The cheapest contents insurance available is indemnity insurance, which will replace, for example, a five-year-old carpet with one of the same age. A more expensive option is the ‘new for old’ policy that replaces the old carpet with a brand new one.
Your home contents insurance could also include cover for some items you take away from the home such as bicycles or prams and even the contents of your handbag. Clothing items, watches and mobile phones can also be covered along with sports equipment – though this is not usually covered when it is in use. The key is to check your policy and never assume that items are covered.
Garden plants are increasingly covered in contents insurance policies – treat your garden as another room and add up the costs of replacements. High value items, such as those more than $1,000 in value, will generally have to be considered separately from your contents policy.
Similarly to building insurance, contents insurance offers protection against various perils including: