As soon as you exchange on a property you are liable for any damage to the building but this is easy to protect against with a competitive buildings and contents insurance. Whilst contents insurance is not a legal requirement like buildings insurance, many of our clients decide to arrange both at the same time to save them having to apply again a few months down the line. 

What is buildings and contents insurance?

There are a number of different insurers offering a myriad of different benefits for both buildings and contents insurance. Buildings insurance tends to cover the structure of your house and any costs relating to that whereas contents insurance covers your belongings including anything from televisions to sofas and even your wedding rings.

A standard policy covers amongst other things:

• Rebuilding cost of property
• Accidental damage caused to drains, pipes, cables etc
• Accidental breakage to sanitary ware and fixed glass such as windows
• Damage to your building caused by fire, flooding, theft etc
• Subsidence or landslips
• Alternative accommodation during repair

A standard contents insurance policy will cover:

• Accidental damage to electrical equipment and satellite receiving equipment
• Accidental breakage to fixed glass in furniture and mirrors
• Office equipment in your home
• Frozen food
• High risk items e.g. Jewellery and antiques
• Visitors personal belongings 

How do I arrange my buildings and contents insurance?

At Danbro Financial Services we are able to offer independent financial advice tailored to your needs as a contractor. We can help you to find the best policy to suit your individual circumstances and ensure that you have the cover you need to enjoy your new home.

Whilst price comparison sites can show you at a glance the cheapest policy for your home based on the number of bedrooms and the postcode, they are unable to take other factors into account. For example, it won’t tell you that if your granny lives in an annexe on the side of the house then you can benefit from the age discounts that increase with age and including your granny’s age in your quote could considerably lower your premiums.

It only takes five minutes to arrange your buildings and contents cover over the phone or via email and you could have your quotes within minutes of filling out an application form. Then rather than wait around for the post man we can email your documents to you, saving time and hassle. Once we have arranged your policy we can deal directly with your solicitors to ensure that all of the documents are delivered and your exchange can go smoothly, taking the stress out of your move.