Buildings Insurance

As well as covering the contents of your home you also need to consider covering the physical bricks and mortar of your dwelling. With Global Warming seemingly about the wreak havoc upon our planet and floods, high winds and other natural disasters now occurring on a yearly basis we really do need to insure our homes against anything that might happen.

As with all insurance, there are different degrees to which you can cover yourself and it really only comes down to how much you want to pay.



As with all types of insurance, buildings insurance is based on risk and thus your insurer will want to know about the location and type of dwelling which you are wanting to insure.

This, of course, isn’t just their way of being nosy; it’s how they work out how likely it is that you are going to have to make a claim on your policy and thus how likely is it that they are going to have to part with their hard-earned money at some point. Thus, if you live in an area which is prone to flooding or live in a very old house then you are likely to face above-average premiums. Similarly, if you live in an area with a high crime rate or have had your property flooded before then your policy will also cost you more than someone with no previous history of structural damage to their building.

You should look into the different policies and different insurers in order to assess what is actually being offered and to ensure that you know exactly what it is that you are signing up to. Some policies, for example, won’t cover you if you damage your property whilst trying to do DIY whilst some will specifically cover any damage which may be done by shoddy building work. Some will only cover fire and flood whereas some will cover a much wider, and often bizarre, set of events which could lead to you needing to make a claim in order to make repairs to your building. It is very important that you make the decision now as to what policy you want and that you are completely convinced that it is the right policy for you.

There can be nothing more stressful than having your home or business damaged in some way and you really don’t want to add to the stress of this by finding out that your policy doesn’t actually cover you as much as you thought that it distress of this by finding out that your policy doesn’t actually cover you as much as you thought that it did. So, whether it’s a couple of broken windows or large-scale flood damage you need to ensure that you are covered. Some policies, as was hinted at earlier, won’t cover you if you are personally at fault for the damage. For example, most insurers will cover flood damage but only from natural causes; if you set the bath running and then forget about it you may find that you are not covered- that is if you can even find your policies in the floating mess that you have created.

This latter point, whilst made glibly, is actually a very important one. The only time at which you are going to need to make a claim on your home insurance is when something has gone badly wrong; a flood or a fire for example. In order to make your claim you are going to need all the correct documentation from the insurer and thus it is very important that this is kept incredibly safe- it would only be an extra stress if such paperwork happened to be damaged in the disaster which led to you making a claim. Thus it would be advisable to keep several copies of your documents- one in a safe location in your house and perhaps a couple more at relatives or neighbours houses to ensure that, should the worst happen, they can be found easily and you can get on with getting your life back together. Taking such simple steps now can really help make all the differences if a crisis does occur; don’t be left wishing you had been more prepared at an earlier date- get sorted now and keep the roof over your head.

Buildings insurance is not one of those types of insurance which can get pushed to the sidelines- it’s something you need in order to keep your home, your family or your business safe and secure. We may not always know what lays around the corner and life has a nasty habit of surprising us but, by investing in insurance now, we can perhaps stave off the worst of what is to come and help keep ourselves solid and secure.