Building & Contents
It’s not fun to think about, but your home could be the victim of a burglary, an unexpected fire, burst water pipe or structural damage at any time. Secure your property and everything within it, from simple things such as the television and computer to precious heirlooms and family photos, with buildings and contents insurance.
Building & Contents Insurance
Buildings and contents insurance protects your home and belongings against damage, theft, and other risks. Buildings insurance covers the structure itself, including walls, roof, and permanent fixtures, while contents insurance protects your possessions like furniture, electronics, and clothing. Most mortgage lenders require buildings insurance, and policies can be purchased separately or together.
What is Buildings and Contents Insurance?
The difference between buildings and contents insurance is that buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances.
Home contents insurance covers you against loss, theft or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday, for example. However, it’s a good idea to do so because if any of your contents are lost, stolen or damaged you will have to pay to replace them.
If you are looking for both buildings and contents insurance for your home, then buying a combined policy is often cheaper than two separate ones. This is cheaper than buying two policies to cover buildings and contents insurance separately.
At APH Financial our General Insurance Consultant will help you tailor your cover to your specific needs. This can include home emergency cover, legal expense cover and items away from the home such as jewellery and mobile phones. These days we take a lot of valuable devices out of our homes and most standard contents policy will not cover these unless specified at application. This is why it is important to get advice from a qualified professional advisor.
Why do I need Buildings and Contents Insurance?
Buildings and contents insurance is designed to ensure that if anything were to go wrong with your home, or the belongings within, you would be able to put it right. For example, for an average claim for a burst water pipe with the right policy in place, all of the damage (pipes, ceilings, paining, carpets and electronics) would be repaired or replaced at no extra cost. With many policies boasting device insurance and other extras, something as small as a mobile phone being lost could be covered.
What Our Clients Say
We had an exceptional experience working with APH Financial, from the very beginning James and Becky demonstrated a deep understanding of our financial needs and provided us with an excellent service, any queries were dealt with in a prompt and professional manner making us feel like valued clients throughout the entire process. What stood out most was their commitment to the task in hand, every transaction was dealt with quickly and explained in great detail which built a strong level of trust.
For anyone seeking reliable financial services their expertise, dedication, and integrity truly set them apart in the industry.
Overall, I highly recommend APH Financial especially James and Becky they really do make a great team.
Sarah Holden
James at APH has been fantastic, offering friendly, timely and detailed advice in layman’s terms. His communication has been great and his work is thorough. His personal touch sets him apart in his industry and we’ll definitely use him again for all things mortgage related!
Mr Brodie
Me and my partner have recently used APH to sort our new mortgage while moving house and they have made the process as easy as possible! James explains it all extremely well making a sometimes confusing process easy. Becky also worked tirelessly to update our mortgage and complete in the needed timescale. Would highly recommend.
Jacob Knowles
I have used APH for both my first mortgage and my recent remortgage. I have also taken out life insurance and income protection cover with the help of James.
James has been very thorough with talking me through various options both with my remortgage and insurance cover. He explained things very well and I knew I was in safe hands with him. I will most definitely continue to use APH in the future as they make the whole process straightforward and stress free!