Buildings & Contents Insurance
Protecting Your Home & Belongings
Secure Your Home with the Right Insurance
Buying a home is a huge investment, and ensuring it’s protected is just as important. When you take out a mortgage, proof of buildings insurance is required before contracts can be exchanged - while you don’t have to choose your lender’s insurer, having coverage in place is non-negotiable.
Contents insurance, while optional, is something to seriously consider after spending thousands on furniture, electronics, and valuables.
GET IN TOUCHBuildings Insurance – Financial Protection for Your Property
Buildings insurance covers the cost of repairing or rebuilding your home in case of damage. The level of coverage you need depends on your property’s value and additional costs such as:
- Demolition & site clearance
- Architect & rebuilding fees
Imagine your home being damaged by a fire or an explosion - would you be able to cover the cost of a complete rebuild? Most homeowners couldn’t, which is why buildings insurance is essential.
What Does Buildings Insurance Cover?
- Fire and smoke
- Floods, storms, or escaping water (e.g., a burst dam)
- Vandalism or malicious damage
- Subsidence
Additionally, many insurers offer an accidental damage option, which covers unintended harm - such as knocking a hole in the wall while moving furniture - for an extra cost.
Contents Insurance – Protecting Your Belongings
Contents insurance secures everything inside your home, from high-value items to everyday essentials, including:
- TVs, computers, and electrical devices
- Furniture and soft furnishings
- Clothing and jewellery
Most policies operate on a ‘new for old’ basis, meaning damaged items are replaced with brand-new ones. Small replacements may be manageable, but when it comes to expensive possessions, insurance provides peace of mind.
What Does Contents Insurance Cover?
- Fire, smoke, and explosions
- Floods, storms, and escaping water
- Theft, vandalism, or malicious damage
- Subsidence
You can customize your coverage by adding accidental damage protection - so spills, breaks, and mishaps won’t leave you with unexpected repair costs. Another valuable option is outdoor coverage, ensuring your belongings are protected while in your car or outside your home.
Need Help Finding the Right Insurance?
Choosing the best buildings and contents insurance can be overwhelming - but our expert team at Dunedin Financial is here to help. We’ll guide you through the options to find a policy that fits your home and lifestyle.
Contact us today to explore your options and secure your financial future.
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