General Insurance advice

What is general insurance?

General Insurance is a name given to a group of polices that fall into this category. There are a range of insurances that class as ‘general insurance’ and they provide you cover in the event of accidents, fire, thefts and other incidents that would be out of your control.

What are the different types of insurance?

Buildings Cover

Buildings insurance covers the cost of repairing damage to the structure of your property. Garages, sheds and fences are also covered, as well as the cost of replacing items such as pipes, cables and drains.

Your policy would cover you if the damage occurred from any of the following: fire, explosion, storms, floods, earthquakes, theft, attempted theft and vandalism, frozen and burst pipes, fallen trees, lampposts, aerials or satellite dishes and more.

Buildings insurance will be a condition of the mortgage and must be at least enough to cover the outstanding mortgage. It is a vital policy that you must need, so to ensure you get it right, let us help to put the policy in place.

Contents Insurance

Contents insurance is one of the two main types of home insurance. It covers the contents of your house in the event of loss, damage or theft.

Home contents insurance policies will cover pretty much everything you own, except the building itself. In fact, an item is covered if it’s something you would bring with you when moving home, including carpets and light fittings.

A lot of policies will have limits on how much you can claim for, so we encourage anyone to speak to an adviser, so that we can create a policy that fits perfectly for you and your belongings.

Landlord Cover

Landlord cover, or landlord insurance is a type of insurance that protects landlords from any risks that could come from their rental properties. These policies can include buildings and content insurance, along with property owner liability insurance, loss of rent cover and more landlord specific insurance types.

If you own one of more properties that you rent out, it is very important that you have the right protection in place to ensure you’re covered.