Building and contents insurance offers the home owner and their family peace of mind against unforeseeable events. Understanding what type of insurance and level of cover is right for your property and its contents can be complex and of course you want to ensure you get the best policy at a price to suit your budget.

Buildings insurance is not a legal requirement but most mortgage providers will make it a condition that you are insured before they lend to you. It covers for unexpected events that might occur, such as fire, water damage, subsidence or explosions. Buildings insurance will protect your roof, walls, outbuildings and fixtures and fittings. The cost of your insurance will be based on variables such as the age of your property, the number of rooms, the type of construction, where you live and past claims. Our team of experts will be able to research the market to ensure you get the best cover for you and your property.

Contents insurance covers all the items within your property against loss, damage or theft., These belongings include furniture, electricals, curtains, carpets, jewellery, clothing, laptops, desktop computers, mobiles, tablets and works of art. Our advisors can help you find the right cover to protect your treasured possessions.

There are two types of contents insurance - ‘new for old’ policies and ‘wear and tear’ policies. ‘New for old’ policies will offer the full cost of repair or replacement of damaged or destroyed items whereas the cheaper ‘wear and tear’ policies will repair damaged goods with a reduction for depreciation. The Limetree team can advise on the type and amount of cover you will need, taking into account previous claims, where you live and what contents you own.

The Cambridge based Limetree team have over 75 years’ industry experience. Being an independent advisor means we are free to offer the best deals available therefore you can be certain of impartial advice. With a commitment to getting the ideal buildings and contents insurance policies that matches the requirements of your property and possessions as well as your budget, we will ensure your assets are protected.

Our friendly team will offer you unbiased advice. We will ensure you understand every aspect of the policies we recommend and you can rest assured that we will avoid the use of industry terms and jargon, our role is to help you make the best decision for you and your family. For more information on our buildings and contents insurance call us on 01223 266140.

Latest insurance posts

‘Generation Rent’ Must Protect Its Belongings Too

Compared to 10 years ago the number of young people (aged between 24 and 34) renting homes has shot up. In 2004, almost 60% owned their own home. These days, it’s just 36%.

Rises in house prices are the main culprit in causing this trend, with nearly half of this age group, known as ‘generation rent’, renting from private landlords.

Although I’m sure many of these renters would prefer to own their own place, they still need to treat their accommodation like any other long-term abode.

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