Building Insurance

What’s covered

Buildings cover – Up to £1 million for damage or loss to your walls, roofs, driveways and patios, as well as permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes.

Contents cover – Up to £50,000 for your household goods on a new-for-old basis, including furniture, carpets, home entertainment equipment, frozen foods and business equipment.

Trace and access – Up to £5,000 for cost of replacing any parts of the building that were damaged to help get to escaping water.

Alternative accommodation – Up to £40,000 (if you have combined buildings and contents insurance) towards alternative accommodation for you, your family and pets if your home is uninhabitable while it’s being repaired after an insured event.

24/7 emergency helpline

Optional upgrade to Home Plus or Select Premier Insurance, giving you cover for personal possessions , accidental damage, home emergency, family legal protection, professional fees

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What’s not covered

Wear and tear, maintenance and routine decoration

Theft, vandalism or accidental damage caused by a paying guest or tenant

The cost of repairing or replacing items following a mechanical or electrical fault

Damage or theft if the house has been unoccupied for more than 60 days in a row

What’s covered

• A personal claims manager if you need to move out of your home due to a claim
• Worldwide protection for your credit cards, debit cards and cash up to £500
• Cover for underground pipes comes as standard, so any accidental damage to those you are responsible for between your property and the mains is taken care of
• No need to specify single items worth less than £2,500 such as jewelry and paintings kept within the home

What’s not covered

• Home cover does not include loss or damage to valuables, personal belongings and pedal cycles when away from the home (available with Saga additional cover options – Personal Belongings Cover and Specified Pedal Cycles Outside the Home Cover).
• Home cover does not include loss or damage to contents in student accommodation.
• Certain loss or damage when your home is lent, shared, let or sub-let.

What’s covered

Cover for your property, possessions and more.

Damage to your property and possessions

• Caused by events such as fire, theft, subsidence and flooding
• Includes damage to garages and outbuildings and their contents

Cost of alternative accommodation (including loss of rent)

• We’ll pay for accommodation if your home can’t be lived in due to damage covered by your policy
• And if you’re a landlord, we’ll also cover you for any lost rent while the property is uninhabitable

Liability protection for injuries or property damage

• If you’re legally liable as the homeowner or occupier or if you’re an employer of domestic services (eg a cleaner)

What’s not covered

Unfortunately, we can’t cover everything – make sure you’re happy with what’s not covered, including:

• Wet rot, dry rot or frost damage
• Damage that’s been caused over time
• Fences, gates or hedges damaged in a storm
• Claims for poor workmanship or faulty design

Take a look at our policy wording for full details of what’s not covered.

* Excludes Home Emergency and Home Legal expenses

• Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need
• Quickly compare home insurance quotes
• We’ll show you which home insurance quotes are the cheapest along with claims experience, a quality score, home emergency cover and cover level
• Once you’ve found a policy that suits your needs, you can call or click through to apply for your home insurance policy directly with the insurer

• *51% of consumers could save up to 41.70%, or £90.17. Consumer Intelligence, November 2019

• Save £££’s online with our home insurance policies
• Buildings, contents or combined insurance available
• Add on optional extras
• Low prices with great value insurance
• Flexible, comprehensive home insurance
• CCJ’s, bankruptcy or offenders acceptable
• Cover available for vacant property
• Non standard construction insurance available
• 9 out of 10 customers rate overall claims service as excellent

• Click on ‘Get Quotes’ above or alternatively call now on 01325 346 328 and Quote Ref: FV1

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What do I need to get a quote?

Getting a home insurance quote normally takes about 8 minutes. But having the following at hand could speed things up:

Your property’s build date:  you can find the actual date in your mortgage survey or home buyer’s report

The date you bought your house or when you moved in.

Locks and alarms: Confused provide useful lock pictures to help you find which locks you have fitted.

Details and cost of any claims in the last five years: This’ll be stated in your renewal documents. Alternatively contact your previous insurer.

The rebuild cost of your house:  Confused will often fill this in for you. But you can also calculate it yourself, or hire a chartered surveyor to carry out an assessment.

The total cost of your personal belongings: If you don’t know this, you can use the Confused.com contents calculator.

The details of any items you wish to insure that are worth over £1,000.

Roof type: Which materials are used on your roof – such as asphalt shingle, tile, slate or thatched.

What does home insurance cover?

Home insurance falls into 3 categories – buildings, contents and combined buildings and contents insurance policies.

Buildings insurance covers the bricks and mortar of your home, and contents insurance covers your belongings. Typically, contents are anything you can pack up and take with you if you move home, such as furniture, clothes, and TVs.

Combined buildings and contents insurance policies can help reduce the cost of home insurance, but they’re usually only suitable if you own your home. They insure your property against damage, but also cover your belongings under the same insurance policy.

You can compare all three policy types through Confused.com.

You can also add optional extras to your policy, such as home emergency cover and legal cover – however, some providers might include these as standard. Accidental damage cover is another extra worth considering, as it covers unintentional one-off incidents that harm your property or its contents.

For example, putting your foot through the floor when you’re up in the loft, or spilling red wine on the carpet.

• Cheaper insurance based on what you actually own – Every policy includes a free video survey with one of our accredited surveyors – meaning that in just 15 minutes, you’ll have an accurate figure of the exact level of cover you need
• Quick and easy claims – for items under £5,000 the survey will also serve as proof of ownership – meaning smoother, faster claims
• Get a quote in 60 seconds
• Your data is protected by bank and government grade technology, ensuring the highest levels of security and privacy. Your data will never be shared without your consent

• No cancellation fees
• No administration fees to make changes
• 24/7 UK based claims service
• Contents cover can include bicycle & gadget cover
• Damaged items get replaced with new
• Underwritten by Great Lakes, a fully owned subsidiary of Munich Re Group who are one of the world’s leading reinsurers