Choosing Home Insurance with Silversurfers
For the modern homeowner, buildings and contents insurance is an essential – for most lenders, having buildings insurance in place is a condition of the mortgage.
What we know as “home insurance” is typically an umbrella term that can mean buildings or contents insurance, or both.
Choosing the right home insurance for you
Like car insurance, you can choose to go with the bare minimum cover or choose a more comprehensive cover option based on your needs.
There’s advantages to choosing more tailored options – they cover for a wider range of occurrences and can give you better peace of mind.
Here’s a quick overview of what’s covered with each.
- Buildings insurance – Building insurance is what you call on if the structure of your home is damaged; such as in a fire, flood or bad storm. If you picked your home up, everything that stayed in place would come under buildings insurance: this means walls, windows, fitted kitchens etc.
- Contents insurance – Contents insurance on the other hand provides cover for everything that’s inside your home. Clothing, furniture, artwork and electronics are just a few examples. You can choose contents insurance policies that cover everything from accidental damage – such as knocking the TV over – to theft or loss outside the home.
- Holiday home insurance – Holiday home insurance is a tailored policy meant for properties that sit empty for several weeks or months at a time or that has letting periods throughout the year. Most buildings and contents insurance policies in contrast won’t pay out if you leave the property empty for more than 30 days in the year, so taking out specialist cover is essential.
Shop with Silversurfers
Whether you need buildings and contents insurance for your home or holiday home insurance for a villa abroad, we can help you find the ideal policy at the right price.
At Silversurfers we’ve partnered with A-Plan Insurance to bring you a great range of options for your home insurance policy. As a broker, A-Plan works with more than 30 insurance companies to help connect you with an impartial selection of policies that suit your needs.
Rachel - Silversurfers Assistant Editor
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