Building & Contents
Insurance
Protection for your Home and Valuables
For most of us, a home is more than just a structure; it's where memories are made and treasures are kept. Ensuring the safety of this haven is of utmost importance. Buildings & Contents (B&C) Insurance provides this essential protection, guarding both the structure and the precious possessions within.
Why is Building & Contents Insurance Crucial?
While having proper Insurance is mandated by mortgage conditions, it's about more than just ticking off a checklist. It's about peace of mind.
Consider this: unforeseen disasters could render your property uninhabitable, but your mortgage obligations won't pause. This is why having comprehensive B&C Insurance is paramount.
Not only does it secure the physical structure, but it also safeguards all that's inside — from your favourite loungewear to your latest gadgets.
Decoding Building & Contents Insurance
Buildings Insurance
This covers the foundational aspects of your home, the walls, roof, fixtures, and permanent installations like plumbing and wiring. Essentially, it's about the physical bricks and mortar that make up your home.
Contents Insurance
Think of this as a protective blanket for your belongings. Whether it's your state-of-the-art TV, plush sofa, or cherished trinkets, contents insurance protects them against theft or damage. Some policies even extend this protection to when you're on the move.
Opting for a combined Buildings and Contents policy with the same insurer can streamline the process. However, always do a comparative analysis to ensure you're securing the best deal - that's where we come in.
Factors Influencing Home Insurance Premiums...
Your insurance cost isn't arbitrary. It's determined by:
• The type and age of the property.
• The value of your possessions.
• The property's location.
• Past insurance claims, if any.
What's Covered and Whats Not?
Commonly Covered
• Fire Damage: Protection against accidental fires.
• Floods and Storms: Safety against nature's unpredictable wrath.
• Burglary and Vandalism: Safeguarding your home and belongings from unwanted intrusions and deliberate damages.
• Burst Pipes and Water Leaks: Covering potential water damage.
• Subsidence and Ground Heave: For structural protection against shifting grounds.
Typical Exclusions
• Wear and Tear: Aging and regular depreciation aren't covered.
• Negligence: Damages arising from carelessness.
• Lack of Maintenance: Issues that emerge from not upkeeping the property.
• Misinformation: Any damage due to providing incorrect details.
• Unoccupied Properties: Houses left vacant for extended periods, typically beyond 30 days.
At Envoy, we're by your side to ensure you have the necessary insurance to protect your property and precious valuables.
Advice You Can Trust
Embarking on the homeownership path can be exhilarating yet simultaneously daunting for novices. With Envoy Financial, you're assured of the best advice right from the get-go and unwavering support through the entire journey by our experienced mortgage and protection consultants with over 70 years of experience.
Our team is ready to navigate you through the maze, ensuring your queries are addressed and the experience remains as seamless and stress-free as feasible.
I can't recommend envoy financial enough. When buying our first home Ross was amazing. Ross was patient and understanding. He was there to answer all our question morning and night.
Sophie Borthwick
I entered this new life chapter with completely zero knowledge of how I wanted to proceed, one thing I did know was that I wanted to buy my first home. I was recommended Ross by a close friend.
Abby Todd
Couldn't give any higher praise to Envoy for their help in securing me a mortgage for my first home. Ross was absolutely brilliant and by far the most helpful and honest person along my house buying journey.
Liam Hopkins