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Buildings and Contents Insurance

Learn How To Cover Your Building and Its Contents

Building and contents Insurance covers the cost of your assets in the case of damage from events such as floods, fires and vandalism. There are varying levels of cover you can choose from and our guides will help you secure the right insurance for your property and personal valuables.

Posted On: September 28, 2021

What Does Home Insurance Cover?

Home insurance can be separated into two branches: buildings and contents. Time and again, one of the questions that insurance providers are asked is what’s covered. After all, you don’t want to make a claim to find that something that you thought was obvious is not actually covered, leaving you out of pocket.

Does home insurance cover mobile phones?

Typically, mobile phones should be covered from damage inside the home under your contents policy. Theft or damage due to incidents outside of your control should be covered.

However, if you want to cover damage to a mobile phone from accidental damage or want to cover damage or theft outside of your home, then you will need to seek additional cover. In other words, if you drop your phone in the street and it cracks or stops working, this won’t be covered by your home insurance unless you’ve opted for accidental damage outside of the home. This will cost more, but can be worth it if you frequently take high-value items that are liable to damage outside the house.

Does home insurance cover roof leaks?

Roof leaks should be covered under your buildings insurance policy if they’re due to adverse weather. You will only be able to claim on the cost of the part of the roof that is damaged. However, you won’t be able to claim on a roof leak that’s a result of wear and tear – as the homeowner it is your responsibility to maintain the roof to prevent the risk of a leak.

Does home insurance cover boilers?

If your boiler breaks, it can be a nuisance but also a big expense that could set you back a bit. Unfortunately, most insurance providers will not cover the cost of fixing or replacing a broken boiler. That’s why, if possible, it’s worth putting some money aside to cover the cost of a broken boiler – after all, no hot water or heating in the winter is not a pleasant thought.

Is flooding covered by home insurance?

Getting flooding covered by home insurance is a little more complex and can depend on your postcode. If you live somewhere that has a history of flooding it may be more difficult to get cover, or you may have to pay a premium for this type of cover.

As always the best policy is to check with your insurance provider what’s covered and what’s not. Make a note of anything you’re not sure about and make sure to double check before committing to any insurance policy.

Speak to Agentis today to discuss your home insurance requirements. We can help you find buildings, contents and joint policies to suit all your needs. Speak to us today to organise your free initial consultation.