Accidents happen!
There are two types of household insurance - buildings and contents, classed as general insurance (GI), they are separate items but usually are bought together.
Buildings insurance
This is mandatory regardless of whether you’re purchasing or remortgaging. It is a condition of every mortgage offer that buildings insurance is in place. Aside from the legal requirement, ensuring your property and contents is important. Picture having to rebuild your property or replace all your contents following a flood or fire.
Contents Insurance
This covers the loss of or damage to the contents of your home, it includes furniture, electrical goods, and other items within your home. Some policies cover you for items you take outside, e.g., bikes, cameras, jewellery, mobile phones, laptops, cash etc.
Policies offer various levels of cover, but you'll be covered against theft & fire and have the additional option to insure against damage caused by accident.
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Our Mortgage and Protection Service
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Market-wide choice of general insurance (GI) products
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Additional specialist GI panel