Home Insurance typically includes two products, Buildings Insurance and Contents Insurance.
Although it isn’t compulsory to have buildings insurance if you own your own home it is usually a condition of the mortgage. You will need building insurance cover to protect you if your home is damaged and needs repairing. This type of insurance should be a priority for homeowners.
Buildings insurance covers the cost of rebuilding or repairing your home if it gets damaged. Whilst policies will differ between insurance companies you may be able to claim if your home suffers damage by:
This list is not exhaustive but gives examples of what buildings insurance can cover.
Contents insurance provides you with cover for any items that are not a part of your home. This includes items such as:
Contents insurance policies can be tailor made to cover the items most valuable to you and your family. Policies can also be adapted to cover valuables that are lost or damaged when they are outside the home.
Cyber-security Tips for Small Businesses
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What is Business Interruption insurance?
If a fire causes your facility to be temporarily unusable, what would you do next? Would your business be able to pay utilities, wages or any other standing charges without income? It could take months before the damaged property is rebuilt and the stock, machinery and equipment are repaired or
Protecting you and your business
Business protection insurance is a key part of being prepared for unexpected hardship or an unforeseen tragedy. While many organisations are diligent in protecting things like their property and assets, it is also important to account for risks related to the potential death or serious illness of an owner or