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Buildings insurance comparison
When you are looking for the appropriate product to do any job, it pays to shop around. Comparing one product against another allows you to find out the ability of the market to deliver precisely what it is you want and need – and to do so at a price that compares favourably with other products.
This is also the rationale for conducting a thorough buildings insurance comparison if you are looking to buy suitable cover for property you own – at a competitive price.
Why do you need buildings insurance?
It might be your own home, a house or flat you let to tenants, or a commercial property, but in order to protect the structure and fabric of the building against a wide range of risks and perils, you need buildings insurance.
Without such cover, you may be in jeopardy of simply not having the funds to make repairs in the event of damage, let alone to pay for the reconstruction of the entire building if it suffers a major disaster.
If you have invested in buy to let property, buildings insurance is likely to be at the heart of your landlord insurance. This represents the effective way of protecting the structure and fabric of the property you have bought against some potentially very damaging risks and perils, such as:
fire, explosions and earthquakes;
The extent to which any particular buildings insurance provides protection against all or only some of these risks makes a comparison between those products especially important.
What you need to know when buying cover
Probably the most important thing you need to know when buying cover for your building is the cost of rebuilding it in the event of a total loss. In this worst case scenario, your investment may be recovered only by paying for the cost of clearing the site and completely reconstructing the building you let.
Rebuilding costs may change over time, of course, and it is important to remember that they are not the same as the price you paid for the property or, indeed, its current market value.
The buildings insurance element of your landlord’s cover may be based on a fixed maximum level, so you need to know that the cost of rebuilding falls below this maximum settlement amount. Alternatively, the total building sum insured may be based on the actual, currently estimated reconstruction cost.
Why choose us?
At UKinsuranceNET we have gained considerable expertise and experience in arranging insurance for all manner of landlords,both small and large, professional and “accidental”. Our knowledge of the market and the free, no obligation quotes we offer allow you to make a full and thorough buildings insurance comparison.
Not only do we cover all types of buildings and businesses – residential, commercial and even those that are unoccupied – but we are also able to offer substantial discounts for owners of multiple property portfolios.