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How much is buildings insurance?
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How much is buildings insurance?
It is a perfectly reasonable question of course and one that has its part to play when you compare quotes for buildings insurance on any property you own.
Of course you want to know how much that cover is going to cost, but perhaps more important is the question of finding the insurance cover which suits your particular, individual needs and circumstances. The best value cover is likely to be that which closely matches your actual needs and circumstances.
Instead of just asking how much is buildings insurance, therefore, you might also want to ask whether the cover you are quoted represents good value for money, at a competitive price.
Why do you need buildings insurance?
Buildings are expensive. For that fact alone, you want to protect and safeguard them. Yet buildings face a quite surprising range of risks and perils. The answer lies in arranging cover against those risks with buildings insurance.
Although insurance policies vary quite widely in the risks covered – and those excluded – you may secure protection against:
fire, explosions and earthquakes – along with any smoke damage which may result;
flooding – subject to any special conditions or exclusions for buildings lying on ground known to be vulnerable to flooding;
impacts – caused by such objects as falling frees, aircraft, or vehicles;
accidental damage to fittings and fixtures such as interior glass, bathroom suites and fitted kitchens;
Vandalism and theft.
What you need to know when buying cover
What you need to know when asking how much your buildings insurance is going to cost is the extent to which it meets your requirements.
Probably the most important point is the total sum insured. This needs to anticipate the worst case scenario in which the building is totally destroyed and the insurance settlement needs to be enough to cover the cost of reconstruction.
Unless your insurance offers a fixed maximum level of cover, and rebuilding costs fall short of this maximum, you may need to conduct a professional valuation. Keep in mind that rebuilding costs are not the same as the price you paid for the property, neither are they the same as its current market value.
Bear in mind, too, the importance of maintaining the building in a good state of repair. Loss and damage that results from any failure to keep the structure and fabric of your building properly maintained may result in any claim being settled for less than the cost of repairs – or even at all.
Why choose us?
Although the cost of your buildings insurance might not be your overriding concern, here at UKinsuranceNET we recognise the importance of securing for you good value for money at a competitive price.
We have access to a wide range of policies for home owners and landlords alike, and aim to help you ensure that the building in which you have invested remains safe, secure and financially protected through high quality insurance products.
Our expertise and experience is directed towards ensuring that you secure the cover you need at a favourable price.