Home Insurance

Accidental damage cover provides additional protection for things you might do by accident in your home.

These include:

• Spilling paint on the carpet.
• Drilling through a pipe.
• Hammering a nail through an electrical wire.
• Putting a foot through an attic floor

To calculate how much you should insure your buildings for, you need to calculate the rebuilding costs of your home. This is the amount of money needed to rebuild your home from scratch.

When calculating this amount you will need to take into account the price of labour and materials as well as the cost of the site clearance. The calculation should also include any outbuildings/ sheds boundary walls located on your property.

If in doubt we recommend visiting the Society of Chartered Surveyors website and using their calculator to work out the rebuilding cost.

Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture,  TV, electrical appliances, clothing, jewellery, sporting equipment and even toys. So to get a sum to insure we would recommend going from room to room in your house with a calculator and adding up everything, this way nothing will be forgotten.

Yes, the standard home insurance policy with buildings and contents cover also extends to any outbuildings located on your property, which also includes the structure and the contents of your garage or shed. The contents that covered in your garage would be only your own DIY tools and materials.

Typically, items covered by a home contents insurance policy include furniture, clothing, electrical items like televisions and  jewellery. Contents insurance can also cover fixtures like carpets, rugs and curtains.

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.