Buildings & Contents Insurance - James Miller & Associates

Find the right Buildings & contents insurance

Our brokers can help you find the protection for when it matters most.

Find the right Buildings & contents insurance

Buildings and contents insurance is all about ensuring your property & belongings are covered when it matters most.

At James Miller & Associates, we help homeowners choose the right insurance to give peace of mind and financial security in case of unexpected events.

Buildings Insurance
This part of the policy covers the physical structure of the property, including the main building, walls, roof, floors, and fixtures. It typically provides financial protection against damages caused by events such as fire, flooding, storm damage, subsidence, and vandalism. If a covered event occurs and causes damage to the structure of the property, the insurance company will cover the cost of repair or rebuilding. When purchasing a Freehold property, it is likely your solicitor will require you to have this insurance in place when you exchange contracts.

Contents Insurance
This component covers your belongings and possessions inside the property, such as furniture, electronics, appliances, clothing, and other personal items. Contents insurance protects against loss or damage due to events like theft, fire, flooding, accidental damage, and more. If the insured belongings are stolen, damaged, or destroyed, the insurance company will reimburse the customer for the cost of replacing or repairing them.

In summary, buildings and contents insurance offers comprehensive coverage for your property, protecting both the physical structure and the belongings inside against a range of risks and potential damages. It provides peace of mind and financial security in case of unforeseen events that could lead to significant repair or replacement costs.

Why should I get insurance for my mortgage? This is a question we receive frequently; our dedicated team are here to guide you through the process. There are many benefits to taking out insurance, some of these include:

Financial Security
Insurance can provide a safety net by covering your mortgage payments if you become unable to work due to illness, injury, or redundancy. This can help avoid defaulting on your mortgage and potential repossession.

Peace of Mind
Having mortgage insurance can offer peace of mind knowing that your home and finances are protected in case of unforeseen circumstances.

Affordability
The cost of some policies can be relatively low, depending on the coverage and individual circumstances, making it an affordable option for added financial security.

As with all insurance policies, conditions and exclusions will apply.