What is NOT Covered by my Buildings Insurance?

Buildings and contents insurance, can seem bamboozling at times, but in order to have peace of mind it is necessary to have buildings insurance. It may surprise you to learn that many companies offer standard buildings insurance to their customers which will insure them up to an amount of £500,000, and covers for things such as:

•   Accidental damage to glass which is fixed, such as shower screens, sanitary fittings and windows.
•   Damage which is considered to be accidental to underground services, which include, septic tanks, drain covers and pipes.
•   As an owner of your home – legal liability.
•   Alternative accommodation for your pets and you.
•   Any damage to your property which is made by the emergency services.

Plus you could benefit from the following contents insurance and be covered for up to £50,000

•   Insurance cover for money within the home
•   Insurance cover for wedding and Christmas presents
•   Accidental damage to recording equipment, games consoles, computers and TV equipment.
•   Insurance cover for replacement locks for if your keys are stolen
•   Insurance cover for the contents of your freezer
•   Insurance cover on valuables like antiques and jewellery.

The above are subject to terms and conditions which can usually be found on your insurance policy, please note that all insurance companies do not offer the same benefits, so it is worth checking out the market to find an insurance company that can offer the best deal to suit your individual needs.

It is also worth nothing that there are some things that aren’t insured by home insurance, for a comprehensive list of these things and a full list of terms and conditions, check out the small print in your insurance policy. For more information on home insurance and related products, check out www.insurance64.co.uk.