FAQs Private Clients

What exactly do I need to cover on my building insurance policy?

When considering your buildings cover you need to consider your home in its entirety. That is, the structure of your home itself, including permanent fixtures and fittings such as fitted kitchen appliances, bathroom suites, etc. internal decorations, any outbuildings, garages, drives, patios, paths, fences and gates. Cover should also extend to permanent swimming pools, tennis courts, and fixed fuel tanks, underground service pipes and cables for which you are legally responsible. Consideration must also be given to the cost of removal of debris, and professional fees.

You may find your home’s re building cost in any valuation report or survey that was carried out when you took out your mortgage.

Finally, it is important to review your buildings and contents cover on a regular basis Home improvements and additions to your home many result in the need to increase your sums insured.