Buildings Insurance

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Buildings Cover

As a homeowner you want to have peace of mind that if anything happened to your home you wouldn't be left homeless or with thousands of pounds worth of repair.

In fact, if your home were to be destroyed by fire or a gas explosion then it may be that you need to cover the cost of rebuilding your entire home, the cost of which could be hundreds of thousands.

If you have a mortgage, buildings cover is compulsory but if you are a tenant and rent your property, this is something that you shouldn't have to worry about as building cover is the responsibility of the homeowner or freeholder.

How much buildings insurance do I need?

You need to make sure that the amount of cover you take is adequate to cover the full cost of a rebuild should the worst happen.
Don't assume that the value of your house is always going to be the same as a full rebuild cost - for example your house may be worth £120k but a total rebuild may cost in the region of £250-300k - more if any connecting properties are also damaged. 

How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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