Is Cornhill Direct home insurance right for you?
Cornhill Direct no longer offer new home insurance policies but this does not affect you if you already have a policy with them.
To help customers looking for a new home insurance policy, we have provided some general information below to aid you in making a decision that is right for you.
Types of home insurance
There are three main kinds of home insurance policy:
- Buildings insurance
- Contents insurance
- Joint buildings and contents insurance
Covers the structure of your home, usually including the walls, roof, floors, doors and windows, so you could be eligible to make a claim if damage occurs to any of these. It generally includes permanent fixtures, such as bathroom suites, kitchen units and in-built wardrobes, as well as outbuildings like garages, sheds and greenhouses.
Take care of the things that aren’t part of the structure of your home. This usually includes: furniture, electronics, jewellery, freezer contents, carpets and curtains, and clothing. However, it does not cover wear and tear, intentional or accidental damage or damage caused by your pets.
Some Things to Consider
Here are a few things to consider when looking for an insurance policy to suit you.
Is your property specialist?
If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover.
Do you need buildings and content cover?
While it’s generally advised that you take out both, it does depend on your individual circumstances. Insurance providers often provide individual policies as well as joint policies.
Does the policy provide enough cover?
All policies have their limits so you need to make sure that your home is covered for the rebuild value rather than the market value. It’s also worth costing your contents to make sure your chosen policy will be enough to cover it all.