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 Insurance Guide

Buildings Insurance

Most lenders of mortgages insist that you have Bulidings Insurance as part of your agreement. Buildings insurance policies are usually index-linked, meaning they rise automatically every year to match the Retail Price Index (RPI).

Buildings Insurance normally protects the structure of your home from:

  • Severe Weather - Storms, Lightening, Floods.
  • Theft and Vandalism.
  • Fire, Smoke, Explosions.
  • Subsidence.
  • Burst Pipes.
  • Civil Commotion.
  • Water or Oil Leakage.
  • Impact from Vehicles, Falling Trees, Aircraft, Masts, Aerials.


  • Always to check to see if your mortgage company are offering a special deal on buildings insurance. It may even be included in your mortgage.
  • Always check that the amount of your policy covers the value of the house. If you feel it is too little, raise you cover.
  • Do not give any false information when apply for insurance. This will make your policy invalid when trying to make a claim.
  • Make sure your buildings insurance policy starts from the day you sign the contract, not the day you move in. You are legally bound to buy the house once you've signed the dotted line. If anything happens to the house between those dates, you may be greeted with a pile of charcoaled rubble and no insurance payout.
  • Check the "Excess" value (the minimum amount you have pay for any claim) and make sure it is to your satisfaction.
  • Frequently review your policy and update it if necessary - it is for your' own benefit.
  • If you make any alterations, structural or otherwise, it is in your best interests to inform the insurance company.
  • Read the small print... it may be boring, but it is there for a reason.

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