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Compare buildings insurance
What are the principal features you are likely to be looking for when you want to compare buildings insurance?
Such insurance is clearly important for the protection of the property you own, but policies tend to vary quite widely both in the levels and types of risks covered and in the price of the premiums attached.
Why do you need to compare buildings insurance?
There are two potential pitfalls when arranging buildings insurance:
Underinsurance – where the risks of loss or damage are either not covered at all or are insured to an adequate level to ensure repair or replacement (in the case of a building, its reconstruction);
Overinsurance – where a chosen insurance policy includes elements of cover you do not need or are inappropriate to your particular circumstances, with the result that you end up paying more than is necessary for your building insurance.
By carefully comparing buildings insurance packages on offer, you may be able to avoid either of these twin dangers. In that way, you may secure the protection you actually need for your property – at a competitive price and that is one that represents good value for money.
What you need to know when buying cover
To achieve this goal, you might need to know whether the buildings cover you choose:
protects your property against some of the most common risks and perils, such as fire, flooding, storm damage, impacts, vandalism and theft;
provides sufficient public liability cover against claims from members of the public who may be injured or have their property damaged as a result of your alleged negligence as the property owner – and given the potential size of such claims, cover typically starts at no less than £1 million;
offers compensation for the replacement of glass in doors and windows and the replacement of washbasins and toilets if they are accidentally broken;
covers the breakage of pipes or cables supplying utilities such as water, gas or electricity to the building;
related to that last risk, some buildings insurance policies also cover the cost of tracing and gaining access to the pipes or cables that are causing the damage in the first place;
in the event of a major insured incident which leaves your property temporarily uninhabitable or unusable, you also need to know the level of compensation likely to be offered for you to find alternative accommodation; and
since cover is invariably reduced or removed once the property has been vacated or left empty for a given period of time, you also need to know how long is this period – policies arranged by us here at UKinsuranceNET, for example, might grant you a generous 90 consecutive days.
Why choose us?
At UKinsuranceNET we are able to bring our experience and expertise to bear in ensuring that you secure all or as many of these elements of protection that you require – and deliver it all at a price you are likely to find more than competitive.
Not only might you choose to reduce the cost of buildings insurance premiums by agreeing to additional excesses, but further reductions may typically be available by insuring all of the properties within your portfolio under the same policy.