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Buildings Insurance
What is Buildings Insurance?
Buildings Insurance covers the structure of your home. This includes the walls, floors, windows and roof. Some policies will also cover damages to fixtures and fittings such as a fitted kitchen or bathroom suite. You can also add extras to your policy, such as accidental damage, for an additional premium.
Why do you need Buildings Insurance?
If you own your home, your mortgage lender will insist that you have adequate Buildings Insurance in place. If you are in the process of buying a house, you should make sure that you have Buildings cover in place before completion. If not, the lender may charge you for a Buildings Insurance policy that does not fit your needs.
What is not covered?
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General wear and tear is not covered by most policies.
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Malicious acts, such as vandalism, are excluded from coverage.
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Contents inside your home, like furniture, clothes, and electronics, require separate contents insurance for protection.
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If your home is empty for an extended period (30-60 days), you may not be able to claim for loss or damage, but informing your insurer beforehand might allow them to arrange cover. Remember to check with your Broadbench expert or insurer, as exclusions may vary among policies.
The Statistics
1.2M
Home Insurance claims are made per day (UK)
UK Insurers pay out
£8M
per day for home insurance claims
Contents Insurance
What is Contents Insurance?
Contents insurance provides financial protection for your personal belongings and possessions inside your home, covering items such as furniture, electronics, clothing, and valuables against theft, damage, or loss.
Example: Contents insurance would cover the cost of replacing a stolen laptop and damaged furniture in the event of a burglary.
Do you need Contents Insurance?
Unlike Buildings Insurance, it is not a requirement to have Contents Insurance if you have a mortgage however, it will reassure you that your possessions are covered if the unexpected happens. Common examples of ‘the unexpected’ include your home being broken into, a fire or a flood. If you’re currently in the process of securing a mortgage or looking to get Buildings and Contents Insurance but are not sure how much cover you need, speak to one of our expert advisers.
What is not covered?
What's not covered by Contents Insurance:
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Expensive items like jewelry or art may require separate insurance.
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General wear and tear is typically not covered by most policies.
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Malicious acts, such as vandalism, are excluded from coverage.
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Extended periods of vacancy (30-60 days) may affect the ability to claim for loss or damage, but informing the insurer in advance may allow them to arrange cover.
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Frost damage or contents in the garden, and mechanical or electrical breakdown, such as aging appliances, may not be covered.
Help protect the things you've worked hard for.
Optional Extras
There typically are some optional extras that could be added to your contents Insurance policy.
Accidental Damage cover
This additional cover can include things like septic tanks and service pipes, home entertainment systems – even any glass in your furniture. » Buildings - this could cover accidental damage to the rest of your home, such as reversing your car into your house wall. » Contents - this might cover accidental damage to your interior belongings – so no need to worry if you spill that glass of wine on the carpet.
Pedal cycles
While cycles are usually covered at home under standard Contents Insurance, you can choose extra cover for bikes used by you and your family anywhere in the world.
Protected No Claim Discount
As you do with your car insurance, you can select this cover to protect your no-claims discount on your Home Insurance policy.
Garden Cover
As you do with your car insurance, you can select this cover to protect your no-claims discount on your Home Insurance policy.
Legal Services Cover
Usually provides 24/7 legal advice and covers a set amount (usually £100,000+) for legal costs per claim for you, your domestic partner, and any family members living with you. Advice on employment law, consumer and contract law, property disputes, personal injury and medical and cosmetic negligence, and more is usually included free of charge.
Personal belongings cover
This can cover your personal belongings, such as your mobile phone, and payment cards away from the home. This can include larger sums of cash and even theft from an unattended vehicle.
Home Emergency Cover
If something sudden happens which causes a loss of essential services; like the heating stops working, a pest infestation or a power breakdown. This protection will usually include labour, parts and materials up to set value and hotel accommodation if your home is deemed to be uninhabitable while repairs are made. Please note that this cover doesn’t normally include non-essential household appliances such as dishwashers.
Why choose PJN Billings ?
Tailored Coverage Options
By paying for life insurance through your business, you can reduce your personal outgoings by hundreds if not thousands of pounds per year.
Industry Expertise
With our extensive experience in the insurance industry, we understand the complexities and nuances of building and contents insurance. We use our expertise to guide you through the process and provide informed advice.
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Effortless Claims Process
In the event of a claim, we strive to make the process as seamless as possible. Our efficient claims handling ensures quick resolution, helping you get back on your feet without unnecessary delays.
Excellent Service
Competitive Pricing
We offer competitive and transparent pricing, ensuring that you receive the best value for your insurance coverage without compromising on the quality of protection. Our aim is to provide affordable and reliable insurance solutions.