Home & Buildings Insurance FAQs

Answering your home contents and buildings insurance questions for peace of mind.

Do I have to take out the Buildings Insurance with my Mortgage lender?

No, although your lender would probably prefer you to. Shop around for the best deals, and choose the company that provides you with the cover you need, at the cheapest price.

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Do I need to buy my Buildings Insurance and Home Contents policies from the same company?

No, you do not have to insure your contents and buildings with the same insurance company. However, some companies may offer you a discount if you purchase both policies from them. Using the same company may also help to streamline claims handling if you suffer damage to the building and its contents.

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Can I change Insurance Company after I have taken out a policy?

Yes. There is no reason why you cannot change to a new insurance company if you find one that can provide the same or better cover for cheaper premiums. However, if you do change, you must make sure that your property remains insured throughout the change over period. You should also inform your mortgage lender of any changes to your insurance arrangements.

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My property is currently empty, do I need Buildings Insurance?

Yes, you must insure your property, even if it is unoccupied. However it can sometimes be slightly more difficult to obtain the cover, and the premiums may be higher for the period the building is empty. You must inform your insurer if the property is not occupied, as failure to do so may invalidate any potential claims.

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I live in an apartment, do I need to take out Buildings Insurance?

If you own a flat or apartment that is part of a bigger building, you should make sure that the owners of the freehold have adequate Buildings Insurance. You should be aware of what insurance cover exists for the building and that your property is covered. You can always take out extra cover if you are not satisfied with the level currently provided.

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Does my insurance cover me for subsidence?

A buildings insurance policy will normally cover damage caused to a property by subsidence, heave or landslip. Damage to walls, gates, fences, patios, drives and swimming pools will not usually be covered unless a home is damaged at the same time and by the same cause. The policy should set out what is and what is not covered. However, if any clarification is required, an agent or the insurer will be happy to help.

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Is my property covered for flood damage?

The majority of household policies provide cover in respect of flood, but you MUST check your policy to make sure.

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