Household Insurance, or Home/Buildings and Contents cover to some of you, is an Insurance policy designed to protect you and your property from disaster or accident. Due to climate changes, there are increased instances of flood damage, which can destroy an entire property from the ground up, and we've seen trees blown over by powerful gales that have collided and caused structural damage to adjacent properties. These are just two examples of possible risks to your financial investments.
Buildings refers to the structure of the home in general including fixtures and fittings and all non removable items such as walls, annexes, sewers, piping, cables, ducting, drains, yards, driveways and footpaths, light fixtures, central heating and radiators, fitted bathrooms and kitchens, laminate flooring, TV aerials or satellite dishes for example.
The buildings cover will indemnify you from damage caused by extreme weather conditions, and if selected, accidental damage such as crashing a motor vehicle through the wall of the garage and ending up in the kitchen - don't laugh, it happens!
Contents refers to your own personal possessions, predominantly any items and belongings that would be removed from the property at the end of your tenancy; common items include furniture, clothing, electronic goods, and other valuables such as jewellery.
Connect Insurance can also offer cover for money or credit cards if stolen, specified items of significant value, and even frozen food in your freezer! If in doubt about what you can be covered for, or should you want a quote - just give us a call!
PLEASE BE AWARE THAT NOT ALL MENTIONED COVER, FEATURES AND BENEFITS ARE PROVIDED AS STANDARD; SOME MAY BE SUBJECT TO ADDITIONAL PREMIUM, OR SUBJECT TO UNDERWRITERS TERMS AND CONDITIONS. IF YOU REQUIRE ANY SPECIFIC COVER, FEATURE OR BENEFIT ON YOUR POLICY, PLEASE ADVISE DURING QUOTING AND ENSURE THAT THE COVER IS INCLUDED PRIOR TO ACCEPTING THE INSURANCE CONTRACT. CONNECT INSURANCE BROKERS LTD ACCEPT NO LIABILITY SHOULD YOU REQUIRE A FEATURE OF COVER DURING THE POLICY DURATION THAT HAS BEEN OMITTED AS A RESULT OF YOUR FAILURE TO SPECIFY IT'S NECESSITY PRIOR TO INCEPTION.