Home, Building & Contents Insurance
Your home is likely your biggest asset. Buildings and contents insurance makes sure that one unexpected event does not put everything you have built at risk.
Secure your home with building and contents insurance
Your home is most likely your biggest asset – and everything inside it adds up too. The furniture, the electronics, the clothes, the things accumulated over years that you’d never think to put a value on until they’re gone. Buildings and contents insurance exists to make sure that one unexpected event – a fire, a flood, a break-in – doesn’t undo everything you’ve worked for.
Buildings insurance covers the structure itself: the walls, the roof, the floors, the fitted kitchen, the bathroom. Contents insurance covers everything inside it. Most people need both, and getting the right level of cover on each is just as important as having it in the first place. Under-insuring your rebuild cost or your contents is one of the most common mistakes homeowners make, and it only becomes a problem at the worst possible moment.
The good news is that home insurance is one of the more straightforward products to get right with the right advice. Whether you’re a first-time buyer arranging buildings insurance before exchange, a homeowner reviewing existing cover, a tenant protecting your own belongings, or a landlord with furnished properties to cover, and here at IMS Property Group, we will help find the right policy for your situation and make sure there are no gaps.
Contents Insurance
Contents insurance covers everything inside your home such as furniture, clothes, electronics, jewellery, and anything else you’d take with you if you moved. If your belongings are stolen, damaged, or destroyed, your policy picks up the cost.
It’s not a legal requirement, but for most households the value of what’s inside the home adds up quickly. A good policy will also cover accidental damage, items taken outside the home, and higher-value items like jewellery or bicycles up to a specified limit.
Whether you own your home, rent it, or let it out furnished, we’ll find the right level of cover and make sure there are no gaps you’d regret later.
Buildings Insurance
Buildings insurance covers the physical structure of your home such as the roof, walls, floors, ceilings, windows, fitted kitchen, bathroom suite, and permanent fixtures. If any of these are damaged or destroyed by fire, flooding, storm, subsidence, burst pipes, or a gas explosion, your policy covers the cost of repair or a full rebuild.
It’s a mandatory requirement for anyone with a mortgage, and should be in place before you exchange contracts – not after. If you own a leasehold property, check whether buildings insurance is already included in your service charge before arranging separate cover.
One thing worth getting right from the start: insure for the rebuild cost of your property, not the market value. These are often quite different, and underinsuring could leave you significantly out of pocket if you ever need to claim.
Book a telephone appointment
Choose a time that works for you
Our advisers will talk you through your buildings and contents options, make sure you’re covered for the right amounts, and find a policy that fits your circumstances and budget with no obligation.
It helps to have a rough idea of the rebuild value of your property and the approximate value of your contents. Everything else we can work through together on the call.