Types of General Insurance

Buildings

Buildings insurance protects the structure of a person’s home, including its outbuildings, against damage caused by things like flood, fire, storm or vandalism. It’ll cover the cost to rebuild, repair or replace things like the roof, walls, windows, doors or fitted bathrooms and kitchens.

Contents

Contents insurance protects a person’s belongings against theft, or damage caused by things like flood, fire, storm or vandalism. It’ll cover the cost to repair or replace things like furniture, clothing and jewellery, electronic goods, curtains and even carpets.

Landlords

Landlord insurance covers the risks a landlord faces when letting or leasing a property that standard home insurance may not cover, also known as Buy to Let insurance, it covers a landlord for damage to the buildings or to the contents against a range of perils such as flood, fire, burst pipes or storm. There are several extra options that can be included like accidental damage, loss of rent, landlord emergency and legal expenses cover which covers the costs and expenses in dealing with a range of legal matters such as contract disputes, tax and VAT investigations, repossession and eviction of squatters.

Tenants Contents

Tenants Contents insurance has been designed to meet the specific needs of those living in a rented property. In addition to providing cover for the tenant’s personal belongings, the policy also includes tenants’ liability insurance which means the policyholder is also protected should they need to cover the cost of any accidental damage to the landlord’s fixtures and fittings.