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    House

    House Insurance

    Buildings Insurance

    House insuranceAt Dover Insurance Services we have agencies with over 50 home insurance schemes each providing a differing level of cover so we are confident that we can find you a competitive quotation that we suit you insurance requirements. Click here to request a quotation.

    Buildings insurance will cover the rebuilding costs of your home should it be completely destroyed, such as being burnt to the ground by a house fire. Many of us could not afford to pay for this from our own pockets and therefore it is vitally important to be adequately insured.

    Buildings insurance is compulsory if your home is mortgaged as the lender will be looking to ensure their security is protected also. Many Lenders will offer you their own insurance policy for this purpose. Whilst it is often more expensive than what you could obtain by asking Dover Insurance Services for a quote. Please contact us by completing the quotation request form or by telephoning on 01304 213613.

    What will buildings insurance cover?

    Buildings insurance covers the structure of your home including permanent fixtures and fittings from fitted kitchen units to bathroom suites.

    Typically buildings insurance policies will cover you for risks to the property structure such as;

    • Fire, smoke and explosions
    • Storm and flood damage
    • Burst pipes and other incidents of water leakage
    • Subsidence, heave or landslip
    • Vandalism or third party damage

    If you live in an area at risk of flood or subsidence you may well need extra cover or have a higher excess imposed by your insurer. This will be worth it for the peace of mind and protection in the event of a claim.

    It is important to check your policy summary for what is excluded from cover as well as what is covered.

    Common exclusions from buildings insurance policies include

    • Damage arising from wear and tear
    • War or acts of terrorism
    • Frost damage
    • Radioactive contamination
    • Sonic bangs

    The insurer may also invalidate any claims where you have failed to disclose material facts to them or have left the property unoccupied for more than 30 days.

    How much buildings insurance do I need?

    House insuranceYou need to be insured for the amount it will cost to completely rebuild your home. This is not the same as the Market Value of your home.

    You can determine the rebuild cost of your home by appointing a surveyor to assess your home or by using an online calculator available on certain websites. If you are just purchasing your home the rebuild figure will normally be given in your Mortgage Valuation.

    Whilst the rebuild figure is usually less than the Market Value of your home the amount may increase if your property has special features such as a thatched roof or is a listed building. In these circumstances it is usually recommended to obtain the rebuild figure from a surveyor.

    Insurers may also offer “unlimited cover” policies however if you know the rebuild cost of your home then it may be cheaper for us to find a policy that fits your exact needs rather than paying for cover that you do not require.

    Once you have purchased your policy it is necessary to keep it up to date you must keep us informed, reflecting any changes you have made such as extensions or loft conversions and that the amount insured reflects the rebuild costs at the current time.

    Some insurers will offer policies that are “index linked”. This will ensure that the amount insured moves in line with rebuild costs at the same time. This is important as if you are underinsured your insurer may reduce the payout on any claim you make proportionately.

    It is your responsibilities to make sure you are adequately covered and that you have advised us of all changes.

    If you live in a risk area for flooding or subsidence or your property has special construction features then additional cover may also be required.

    How to make your buildings insurance cheaper

    Whilst it is important to ensure that you are adequately covered for the rebuild cost of your home there are ways in which you can look to save money when purchasing your buildings insurance policy.

    • Be clear about what level of cover you need and make sure that you compare like for like when looking at different insurers. Speak to Dover Insurance Services we can go through these covers with you. This also applies to renewal quotes – do not assume that this is the cheapest cover available.
    • Pay your premiums annually – Many insurers will include an additional charge on your premium for paying monthly by direct debit. Where possible this charge can be avoided by paying your insurance off in a one off payment every year.
    • Raising your policy excess – Many insurance policies include an excess normally £50 that you will need to pay in the event of a claim. Raising the amount you are willing to pay usually results in a reduction to your premium
    • Combine with contents insurance – Where you need to buy both buildings and contents insurance it is sometimes cheaper to combine them and buy your policy with the same insurer
    • No claims discount – Insurers will usually reward those that have accrued a period of no claims with a cheaper policy premium
    • Security – it often pays to be secure in your property to try and prevent claims happening. Installing a burglar alarm, high quality locks, joining a neighbourhood watch and fitting smoke alarms can all reduce your premiums.

    Home Contents Insurance

    At Dover Insurance Services we have agencies with over 50 home contents schemes each providing a differing level of cover so we are confident that we can find you a competitive quotation that we suit you insurance requirements.

    Unlike buildings insurance, which is compulsory, home contents insurance is an optional cover. Your possessions belong to you and therefore it is your decision whether you want to insure them or not, however, the cost of replacing all of your items in the event of them being stolen or after a fire may be higher than you think.

    Most of us could not afford to replace our entire contents of our home should the worst happen and therefore Dover Insurance Services can advise you and help you to choose a contents policy that is appropriate for your contents insurance needs. You may be surprised at how cheap it is to cover your belongings. Contact us to find out by completing the house quote request form or telephoning us on 01304 213613.

    If you are a homeowner then you may benefit from cheaper contents insurance by combining it with a buildings insurance policy, however, if you rent your home or live in a leasehold property then you may be able to save with a contents only policy.

    What does home contents insurance cover?

    Contents insurance covers your household items against loss, damage or theft. Cover is usually provided for moveable items such as furniture, electrical items and personal belongings as well as some fixtures such as carpets.

    How much contents cover do I need?

    Do not underestimate the value of your belongings. Personal items such as jewellery, clothes, DVDs and electrical equipment will almost definitely add up to more than you think.

    To work out how much cover you need it is wise to make a list of all your possessions by listing the rooms in your house and the items within them. Do not forget to include items that are in the loft or stored outside in the garden and in a locked shed. You can use this list to estimate the sum insured of your items and the protection needed, as well as being handy in the event of needing to make a claim.

    Insurers will generally offer you cover for your items based one of the following types of policies;

    • Sum Insured – This policy is based on the amount it would cost you to replace all of your belongings. It is your responsibility to value this correctly and you should include all of your high value possessions as well as the rest of the goods within your home.
    • Bedroom rated – The insurance company will calculate your cover based on the amount of bedrooms and other rooms within your house. Whilst this may save time from listing all of your household items this type of cover may carry higher premiums and you still run the risk of being underinsured.

    Additional contents covers available

    Some policies will cover high value items and include accidental damage as standard however many will consider them as extras. It is vital to check the policy wording to see what is included and to ensure you are comparing like for like when we provides you with a quotation.

    Insurers will usually allow you to add extras to your policy at an additional cost.

    Extra cover that may be worth considering;

    • Accidental Damage – This will protect any breakables within the home as well as covering for any DIY disasters.
    • High Value Cover – Some insurers will include this as standard providing your high value items do not exceed a certain value (usually £1500) and are listed separately. Cover can usually be extended for items above this figure and the premium will be increased accordingly. This is worth considering for valuable items of jewellery, electronic equipment, art, antiques and any collections you may have.
    • Personal possessions Cover – Insurance can often be extended to cover items that leave the home with you such as laptops, SatNavs, mobile phones and jewellery. This is often referred to as an “All Risks” policy.

    There are many other types of additional cover you can take to insure you for moving home, sports equipment, alternative accommodation or legal assistance. Always check that your policy is suitable for your individual circumstances.

    How to make contents insurance cheaper

    Whilst it is important to ensure that you are adequately covered for your household items there are ways in which you can look to save money when purchasing your contents insurance policy.

    • Be clear about what level of cover you need and make sure that you advise us of the level of cover you require. This also applies to any renewal quotes.
    • Paying your premium annually – Our insurers will include an additional charge of 10% on your premium for paying monthly by direct debit. You can avoid this charge by paying your contents insurance in a one off payment each year.
    • Leave off extras – if specific insurance features do not apply to you then you may be entitled to a reduction in your premium by excluding them from your cover.
    • Raising your excess – Many contents insurance policies include an excess of normally £50 that you will need to pay in the event of a claim. But if you think that you would not claim for an item under £100 or even £200 then raising the amount you are willing to pay usually results in a reduction in your premium.
    • Combining with buildings insurance – Where you are required to purchase buildings and contents insurance it is often cheaper to combine them and buy your policy with the same insurer. Dover Insurance Services can check this for you.
    • No claims discount – Our insurers will usually reward you if you have a no claims discount with a cheaper policy premium.
    • Security – it often pays to take precautions against a claim. High quality locks on doors and windows, burglar alarms, smoke alarms and joining a neighbourhood watch scheme may all reduce your contents insurance premiums

     

    Contact Dover Insurance Services on 01304 213613 today to find out if you could be saving money on your home contents insurance needs.

    Complete the HOUSE QUOTE FORM for our best price or telephone us on 01304 213613