Buildings Insurance covers the items that are fixed to and form part of the building so wouldn’t normally be taken with you when moving house for example a shed, a fitted wardrobe, built in appliances or hardwood floors. Contents Insurance covers ‘moveable’ items such as ornaments, free standing furniture or clothing.

To know the level of buildings cover that is right for you, you’ll need to know the cost of rebuilding your home. This can normally be found on the lender's valuation or can be provided by a surveyor. The rebuild cost of your home isn’t the same as the purchase price of your home; either the price you paid or the price you’d sell it for.

You should think about all the belongings within your home and how much it would cost to replace each item with a brand new version. Go through each room of your home and record all your contents with the current value, the total of the rooms combined will be the value of your contents. Whilst it may seem like a big job, having a list will help if you ever need to claim.

If an item has been damaged and cannot be economically repaired, we’ll replace it with a new one of similar quality.

If your home is made uninhabitable by an event such as a fire, we’ll pay for agreed accommodation expenses until your home is restored to normal living conditions, including any family pets. If you’ve Buildings Insurance we’ll cover up to 20% of the buildings sum insured and up to 20% of the contents sum insured if you have Contents Insurance.

With our Contents Insurance any office equipment used for business in your home is covered if you or a member of your family works from home.

We cover you and your family up to £500 for the unauthorised use of stolen credit cards as well as £500 for cash.

We cover mobile phones against accidental loss or damage in and out of the home in the United Kingdom. We also cover out of the home anywhere in the world for up to 60 days within a 12 month period. Any mobile phone worth more than £250 should be specified.

We’ll provide cover for unintentional damage to the property such as nailing through a pipe when putting a picture on the wall or putting a foot through the ceiling when up in the loft

Visible damage which happened due to an unintentional event such as spilling paint or red wine on your carpet.

We’ll pay your legal costs up to £100,000 provided it’s not a disciplinary hearing, internal grievance or if the dispute relates solely to a personal injury relating to your employment.

You can make a claim when your salary/wages aren’t covered by the court or your employer.