subject: Buildings insurance: What it actually covers [print this page] Buildings insurance: What it actually covers
When it comes to protecting your home contents with a good policy, you may feel perfectly comfortable in knowing what options you have available - but should you also consider buildings insurance? Of course, if you are renting a property it will only be the former you need, but if you are a homeowner or landlord you may well be advised to consider the benefits of the latter.
Although most people understand a good policy will help protect some of their dearest or most valuable belongings, some may neglect to cover perhaps the costliest thing - the house itself. If you search online for the best home insurance option, you may notice there are some benefits included you might not find elsewhere worth thinking about.
Various features will come with your standard package dependant on the individual provider you choose. But if you are looking to protect both the property you love and the things inside it, you might want to focus on one that combines both buildings and contents insurance. In some cases, cover includes damage or loss of valuables up to a certain predetermined value, but some providers will also offer help with repairs services. This might be access to approved tradesmen or a promise of same-day payments on any claims settled. Other extras might include alternative accommodation for you, your family and your pets if the building is deemed uninhabitable or access to a UK-based call centre capable of providing immediate expert assistance and advice for all types of situation. Again, this is all dependent on the individual choice you make and what you consider a priority for your policy.
So why might buildings insurance be an important consideration? Well, the British weather can be unpredictable at the best of times and in the last few years this has been well covered in the media. TV news reports have shown us all what kind of damage can be done when things turn nasty, with extreme conditions such as floods, high winds, lightning, earthquakes and heavy snow all having been well documented. This is one of the key reasons many may consider such cover something of a no-brainer, but in addition to natural occurrences, homeowners might also be concerned about the possibility of a fire, an explosion, or damage caused by subsidence, theft or vandalism. For all of these reasons and more, it is easy to see a clear case for such a backup plan - but it is not just the exterior of your home that is at risk from incident. Pipes, wiring, cables, indoor glass and permanent fixtures like toilets, baths and kitchens are all things you may want to protect against accidental harm.
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