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020 8732 5411
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020 8732 5411
There are two types of household insurance - buildings and contents. They are separate entities and you can either search for two individual policies, or buy them as a joint policy from one source, which is a competitive way of buying nowadays, moreover if you are unfortunate enough to end up in a situation where one incident affects both the building and its contents, such as a fire, there will be no issues as to who is paying for what.
This covers the actual structure of your home. It will always include the main building and can be extended to cover sheds, the garage, fences, swimming pool etc. Buildings insurance is only a consideration if you own the property. If you own a flat you will still be responsible for buildings cover, usually as determined by the ground rent and buildings agreement, which usually means that the liability to cover is apportioned between properties. This is sometimes covered under the Service Charge.
If you are a homeowner, having buildings insurance in place would normally have been a condition of your mortgage. A good buildings insurance policy should cover you for fire, flood, subsidence, storms, lightning, theft or vandalism, escape of water and oil, and damage caused by falling trees, branches or other objects.
This covers practically everything within your home including furniture, household goods, food and drink, TVs, computers, clothing and valuables, usually up to a stated limit. This type of insurance is not compulsory and no mortgage lender can insist you take out contents cover so you will need to source this yourself.
This policy pays out if any of your home contents are lost or damaged, following a burglary or a fire, an explosion, leaks or vandalism, and also for accidental damage.
Many insurers cover the cost of replacing locks if your keys are stolen. Most policies may be extended to cover accidental damage or loss of valuable items you frequently take out of your home, such as jewellery, cameras and sports equipment. This is known as an 'all risks extension'.
Many people underestimate the value of their home contents. To get a clear idea of the sum to be insured, go through every room - including the loft, garage, cellar and shed - and write down what it would cost to replace every item at today's prices.
Call us today on 020 8732 5411 or complete our short enquiry form by clicking on the form button below and we'll be pleased to help you.
Read lessChancery Wall are always my first port of call when seeking financial advice. Investments aside – things that are very important to me are my Pension and Mortgage. They provide me with the assurance that I am not only getting the best deal, but sound long-term financial planning. A unique approach that sees me as a client, not a statistic will keep me speaking with Chancery Wall for many years to come.
This is what financial advisors should do! I have never had this kind of experience in the past with financial advisers and this is the kind of service I have been looking for. It’s nice to have one place to come to, without being too large or institutional. I feel like you know the whole picture and if anything happened to me now, I know my family will be looked after.
Chancery Wall have professionally handled my mortgage, pension, and investments over a number of years. Finance can be a daunting world, but their advice has always been friendly, authoritative, and clear – somehow they always find a way of demystifying the process. Highly recommended.
CONTACT US
Chancery Wall Financial Services Ltd
Devonshire House
582 Honeypot Lane
Stanmore
Middlesex
HA7 1JS
T: 020 8732 5411
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Chancery Wall Financial Services Limited is registered in England & Wales No. 08099223.
Chancery Wall Future Planning Limited is registered in England & Wales No. 08592583.
Registered Offices at Devonshire House, 582 Honeypot Lane, Stanmore, Middlesex HA7 1JS.
Chancery Wall Financial Services Limited is authorised and regulated by the Financial Conduct Authority No. 587655.
Estate, Trust Planning and the provision of Wills are not regulated by the Financial Conduct Authority.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
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