Buildings and Contents Insurance

Unnecessary stress is something we could all do without, so why did I choose to go without home insurance for over a year?!

It’s probably something we have all done at some point, and I’m guessing people out there reading this right now that are playing the same risky game. Maybe briefly explaining how home insurance works will make the difference between ignoring having it and getting a quote- which is something you should all do!

There are two types of home insurance- buildings insurance and contents insurance.

Buildings insurance covers you for damage or destruction of a home and also insures against fixtures and fittings within a home.

Contents insurance does exactly what it says on the tin- it insures against the contents within a house, whether it’s lost or damaged.

Where to start looking...

Personally I ended up going to Norwich and Peterborough Building Society. The reason for this is because they offer cheap buildings and contents insurance by giving a 20% discount for combined contents & buildings, and should you need to make a claim you only pay excess for one policy. Some of you will decide to just go with home contents insurance- definitely worth ringing up for a no obligation quote; not only do they shop around the UK’s leading insurance companies trying to find you the best deal, the quote can be tailored toward you, i.e. if you know you won’t lose items then don’t get covered for loss.

I could list the benefits of buildings insurance with N&P, but your best off seeing what they offer yourself by visiting the links that I have supplied.

(Disclaimer: Use my advice at your own risk)