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What
Buildings Insurance normally covers?
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Whether you're looking for buildings insurance,
contents insurance or both, buying home
insurance can be hard work. At Bradford &
Bingley we aim to make the whole process a lot
more straightforward by bringing you what we
consider to be the best deals from our carefully
pre-selected panel of insurers. |
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What Contents Insurance
normally covers?
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When
you're buying contents
insurance, make sure you choose
the cover that best suits you.
Most policies should include at
least all this:
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Accidental damage to TVs,
satellite decoders, audio
and video equipment, radios
and computer equipment in
the home
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Alternative accommodation
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Contents temporarily removed
for up to 3 days
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Fatal injury
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Lock replacement
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Loss of oil or metered water
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Accidental damage to
glass/mirrors
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Freezer contents
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Theft or fraudulent use of
credit cards
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Liability to domestic
employees
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Contents stolen from any
domestic outbuilding or
garage
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Personal liability
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Money in the home
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Property in the open, but
within premises
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Deeds and other personal
documents
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Business equipment
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10% increase in sum insured
for wedding or Christmas
gifts
There will be certain
restrictions to what's covered.
This normally includes high risk
items and some types of damage.
Make sure to check the
restrictions before you take out
a policy. |
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When you take out a mortgage, the lender
normally insists you take out buildings
insurance too. Even if you don't have a
mortgage, it's worth insuring the main structure
of your property (including walls, gates,
outbuildings, fences and fixed structures
internally such as kitchen units). Buildings
insurance normally includes:
- Fire and
smoke damage, lightning strike, explosion or
earthquake
- Storm or
flood damage (please check exclusions)
- Damage
caused by leaking water or oil
- Accidental
damage to pipes and cables
- Water
freezing
- Theft or
attempted theft
- Collision by
vehicles, animals or aircraft
- Riot,
violent disorder, strike, labour
disturbance, civic commotion or malicious
acts
- Subsidence,
heave or landslide
- Breakage or
collapse of aerials or satellite dishes
- Falling
trees, branches, telegraph poles or
lamp-posts
- Alternative
accommodation or loss of rent
- Loss of
metered water
- Accidental
damage to fixed glass, hobs or sanitary ware
Make sure to check
what's included in your policy - certain types
of damage may not be covered and different
excesses may apply to certain types of claim
such as subsidence. Your buildings cover may
also become invalid if you leave your property
unoccupied for more than a specified period
(usually 30 days). |
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