Buildings & Contents Insurance

Now that you’ve bought your first home, or moved into your dream property, wouldn’t it be wise to insure it and its belongings?

There are three main types of home insurance: buildings insurance, contents insurance, and combined buildings and contents insurance.

Buildings insurance covers the structure of your home – for example, your walls, windows and roof, as well as permanent fixtures and fittings, such as baths, toilets and fitted kitchens – while contents insurance covers the possessions in your home. Combine d buildings and contents cover, meanwhile, covers both.

As well as covering you for theft, home insurance also protects you against damage caused by a number of unforeseen events, including flooding, fire and explosions.

You can use your home insurance to cover your portable items, such as your handbag, mobile phone or tablet, while you are outside of the home and overseas under a personal possessions extension (sometimes called an all-risks extension). However, there are restrictions on what’s covered, so check with the insurer to make sure you know what you are paying for.

Buildings and contents insurance is essentially ‘must have’ and most lenders will request you to hold a policy, which at minimum covers the structure.

If you wish to speak to one of our expert advisers about this, please email or give us a call on 01726 829871 and we’d be happy to help.

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Welcome to Allshore Associates

We offer independent financial advice across almost every area of financial services, from advising you on your first mortgage, to ensuring you have sufficient pension resources in place for a long and secure retirement

With over 50 years of financial services experience between us, our dedicated team of advisers have a wealth of knowledge in their specific fields to find the right solution for you.

Here at Allshore, we understand that all of our clients are different. We are not a call-centre. You will be speaking to the same person throughout the whole advice process. We take the time to get to know you, offering you a tailored service to all of your financial needs.