Home, Buildings and Contents Insurance for Liverpool, Wirral and all areas of Merseyside

There are two main types of home insurance. Buildings insurance covers you against the cost of repairing or even rebuilding your home (including the fixtures and fittings). Home contents insurance covers you for your possessions (from furniture to clothing and personal effects).

For most people their home is their most important, and expensive, asset. It makes sense to take out buildings insurance to cover you against the potentially huge cost of repairing or even completely rebuilding your home. Indeed, if you have a mortgage on the property then it will be a pre-requisite of your lender that you have suitable buildings insurance in place.

Home contents insurance is the one that too many people don't take until it is too late, ie they only take it after they have experienced a burglary and realise the devastation it causes. It is also common for people to grossly underestimate the value of their possessions and maybe this is why they don't take out home contents insurance. Home contents insurance can be taken by homeowners, landlords and their tenants as it only covers what's in the home (and not classed as a fixture or fitting such as a kitchen).

There are many levels of cover, some of which will provide like-for-like replacement of lost/stolen items and some which will cover the receipt value. You need to consider how this will affect the replacement of your goods.

It is also important that you read the small print, or have it explained to you. There may be certain conditions that may render your insurance policy void or that your insurance company simply doesn't cover anyway. You will also need to specifically list certain items on your Home contents insurance proposal eg expensive items of jewelry etc.

Many home contents insurance policies cover household items when they are away from the home eg bikes - please check directly with your insurer for specific details.