Home and contents insurance protects the place you love best and your personal possessions against damage or loss. You can sleep easier knowing that should the worst happen, you’re covered for major risks like fire, flood and theft.
We can guide you through the process, letting you choose policies to match your individual needs, budget and circumstances.
Buildings & Contents insurance
If your property is damaged or made uninhabitable by an insured event such as a fire, storm, flood, subsidence or burglary, the cost of repair is covered to return the property to its normal condition.
Moreover, the cost of replacing all of the contents within your home would also be covered. Where possible, damaged household goods and/or personal effects will be replaced as new if it’s not possible for them to be repaired.
Landlord’s Buildings & Contents Insurance for buy-to-let properties
Additional cover options
Landlord’s Contents Insurance
Additional cover options
These can be tailored, but typically you can expect the following from the product provider:
- Buildings insured up to £500,000 as standard
- Contents insured up to £50,000 as standard
- Single unspecified item limit up to £5,000
- Personal liability cover of up to £2 million
Paymentshield offer a 2 year no claims discount for first time buyers and up to 5 years if transferring your entitlement from another provider
Optional cover can be taken out with a contents insurance policy to cover a range of items from jewellery, clothes, musical instruments and bicycles to cameras, laptops, mobile phones and MP3 players. Please refer to the policy terms and conditions for the specific cover limits.
The building and/or contents are covered if damaged by: (subject to the standard policy conditions and sum insured limits)
- Fire, smoke or explosion
- Riots, civil commotion, labour & political disturbances or strikes
- Malicious damage or vandalism
- Impact or collision
- Storm or flood
- Subsidence or heave
- Escape of water or oil
- Theft or attempted theft
- Lightning or earthquake
If you need to make a claim you can contact Paymentshield on 0345 601 1050 Monday-Friday: 8.00-19.00 or Saturday: 8.00-13.00. One of their Client Account Manager’s will take your details and transfer you through to the correct team. Once the details of your claim have been lodged, your specific underwriter will keep in touch to ensure you know what is happening.
If you have any issues before or during a claim, you can contact TopQuote directly on 0161 233 3110.