General Insurance
General insurance is designed to provide financial protection for your home and belongings. For instance, if your home is damaged or destroyed by fire, storm, or flood, having the right insurance will enable you to replace your belongings or rebuild your home. This offers peace of mind, knowing that you can recover and restore your home and possessions after a significant event.
What is buildings insurance?
Building insurance provides financial protection for the physical structure of your property, including the walls, roof, floors, and permanent fixtures like fitted kitchens and bathrooms. It covers the cost of repairs or rebuilding if your home is damaged or destroyed by events such as fire, flood, storm, or vandalism. Essentially, it acts as a safety net, helping you recover and repair your property in case of significant damage.
What does buildings insurance cover?
Building insurance usually covers the expenses of repairing or rebuilding your home's physical structure if it's damaged or destroyed by specific events. These events often include:
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Fire: Damage from fire, smoke, or explosion.
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Flood: Damage due to heavy rains, burst pipes, or other water-related incidents.
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Storm: Damage from high winds, hail, lightning, or severe weather.
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Vandalism: Damage from deliberate acts of vandalism.
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Subsidence: Damage caused by ground movement, such as sinking or shifting.
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Theft: Damage from attempted or successful break-ins.
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Falling Trees: Damage from trees or branches falling onto your property.
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Impact Damage: Damage from vehicles or other objects impacting your property.
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Burst Pipes: Damage from leaking or burst pipes.
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Additionally, buildings insurance often includes coverage for permanent fixtures like fitted kitchens and bathrooms. Policies may also cover outbuildings, such as garages and sheds.
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It's important to read your specific policy's terms and conditions to understand what is covered and any exclusions that may apply.
What is contents insurance?
Contents insurance is a policy that provides financial coverage for replacing or repairing personal belongings if they are damaged, stolen, or destroyed. This includes items such as furniture, clothing, electronics, jewellery, and other valuables within your home.
Unlike buildings insurance, which protects the physical structure of your property, contents insurance focuses on safeguarding the items inside. It's designed to offer financial security and peace of mind, ensuring that you can recover your losses and replace your belongings in the event of unforeseen circumstances like fire, theft, or natural disasters.
What does contents insurance cover?
Contents insurance generally covers the cost of repairing or replacing your personal belongings if they are damaged, stolen, or destroyed. Some of the items and situations it typically covers include:
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Furniture: Beds, sofas, tables, chairs, etc.
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Electronics: TVs, laptops, smartphones, and other gadgets.
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Clothing: All types of personal clothing and accessories.
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Appliances: Kitchen appliances like microwaves, refrigerators, and washing machines.
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Jewellery: Rings, necklaces, bracelets, and other valuable accessories.
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Personal Items: Books, toys, sports equipment, and more.
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Fire Damage: Loss or damage caused by fire or smoke.
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Theft: Loss due to burglary or theft.
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Water Damage: Damage from burst pipes, leaking appliances, or accidental spills.
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Natural Disasters: Damage from events such as storms, floods, or earthquakes (coverage can vary based on policy terms)
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It's important to review the specific terms and conditions of your policy to understand what is included and any exclusions that may apply.
Extra covers that can be added to buildings and contents insurance?
Enhance your coverage with optional extras to your policy. While this may raise your insurance premium, it guarantees that all your needs and requirements are met, offering you greater peace of mind. These optional extras include:
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Accidental Building Damage: Coverage for damage you accidentally cause to your property.
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Accidental Contents Damage: Coverage for accidental damage to the contents within your home.
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Home Emergency: Coverage for repair costs in the event of a home disaster, such as a burst pipe, and access to a tradesperson for free callouts.
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Legal Liability: Coverage if someone is injured in your home and decides to sue you.
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Personal Belongings: Coverage for items like iPhones and laptops if they are damaged or stolen.
Our Panel
We use two providers to source the best general insurance policies, these include:
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Uinsure
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LV=
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Using these providers allows us to access a wide range of insurance quotes, ensuring we find the best option for you.
How can Knightwood Mortgages help?
Knightwood Mortgages provides expert advice on general insurance, guiding you to the right policy that fits your needs. Our experienced advisers will work with you to secure a general insurance plan that offers peace of mind and financial stability. Contact us to discuss general insurance policies by emailing services@knightwoodmortgages.co.uk or calling 03301 336045.
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