Home Insurance Guides

Types of HOME insurance

Buildings Insurance

This covers the structure of the house such as:

  • Walls, ceilings and the roof
  • Permanent fixtures and fittings within the house
  • Decoration within the house
  • Gates, fences and footpaths that all lie within the boundaries of your property
  • Pipes and cables

Contents Insurance

This covers the contents you would take if you moved such as:

  • Household goods such as cookers and fridges
  • Furniture and furnishings such as beds, sofas and carpets
  • Valuables such as jewellery and works of art
  • Personal belongings such as clothes and shoes
  • Contents policies may include some cover for replacement of keys and locks, contents of outbuildings, money, freezer contents, loss of metered water, cost of alternative accommodation, replacement glass, television aerials and satellite dishes

WHAT IS COVERED?

Standard policies will usually cover loss or damage due to:

  • Fire, aircraft, lightning, explosion or earthquake
  • Theft (or attempted theft)
  • Riots or vandalism
  • Storms or flooding
  • Subsidence, heave and landslip
  • Falling trees
  • Impact eg. a car runs into your house
  • Escaping or leaking water or oil
  • Your liability as occupier of the house

Find Insurance

Whatever type of insurance you need to find, BIBA can connect you with a broker who can help. Please use the search below or call our Find a Broker Service on 0370 950 1790.

*Members of the Armed Forces have particular insurance needs. BIBA members making a commitment under the Covenant and which help meet these needs can be found here