Home and Contents Insurance

Just Mortgages Limited

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Buildings insurance covers damage to your property and the fixtures and fittings of your home. Buildings insurance covers anything you cannot take away with you if you move home. It includes the:

  • structure of your home such as the roof, walls, windows and doors
  • permanent fittings such as tiled or hardwood floors, baths and fitted kitchens

You should insure your home for the amount it would cost to rebuild it, or the reinstatement value. This is different to the market value of your home, which is what you would get if you sold it.

It is important to make sure that you do not insure your home for too much or too little. If your home is insured for too little, your policy might not pay out enough for the cost of repairing or rebuilding if it is damaged or destroyed. If it is insured for too much, your premium will be higher than necessary and you will not get any extra benefit if you have to claim as you are only covered for actual lost.

Contents insurance covers all your worldly goods in your home such as furniture, electrical equipment, pictures, paintings, clothing and other belongings.

It can be taken out as a separate policy from buildings insurance or combined with it. You should insure your contents for the amount it would cost you to replace them if they were stolen or damaged. It's worth taking the time to calculate these costs so that you insure your contents for the correct amount. Make sure to include the contents of your garage or shed and the cost of replacing carpets and curtains.

There is usually a limit on the value you can claim for any individual item. So you may need to list certain valuable items, such as jewelry or antiques, separately on your contents policy. You should also check that your policy covers you to replace items on a 'new-for-old' basis. This allows you to buy a new item, such as a television, to replace one that has been damaged or stolen.

Whether you need buildings insurance, contents insurance, or both, our range of home insurance policies from top providers will ensure you won't end up in hot water if a pipe bursts, or even worse.

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