Property Insurance: Home Contents & Buildings from jml Insurance Services
If your property is in the UK or overseas, let or owner occupied, you must have adequate insurance cover.
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Home insurance can be for the buildings and contents. In many cases the buildings cover is incorporated with a block policy if your home happens to be in a block of flats. The buildings cover is often arranged by the mortgage lender, but you often can pick up more competitive quotes.
You should ensure that the property is fully insured, including the contents in it.
You will usually find that you don't have to insure the property for the value of the property. The re-building costs are in the event of the property having to be re-built as a result of fire or other peril and as such you would normally own the land it is actually built on.
Most insurance companies can give an idea of re-building costs. SEE ALSO Crime reduction tips to reduce the risk of your property from being burgled - October 2009
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