What does buildings insurance include?

It usually covers the property itself, as well as the permanent fixtures and fittings, such as the kitchen and bathrooms. Your home will not be covered for general wear and tear and there may also be exclusions such as damage from frost or household pests. You can’t normally claim for loss or damage to your property if this occurs after it has been left unoccupied for more than 30 days.

Is subsidence covered with building insurance?

In the majority of cases, yes. Subsidence impacts a building’s foundations, leading to them sinking. This usually occurs because of excess water in the soil due to poor drainage or leaking drains. In the event of a claim an excess will be payable.

Building Insurance

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Buildings insurance is a must in case the unexpected happens to your property. We'll help you find the right level of cover so that your home is protected. Having suitable buildings insurance is a condition of a mortgage offer.

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Getting You The Right Cover For Your Home

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Protecting Your Property For Your Peace Of Mind

Working with our friendly team of experts will give you access to comprehensive buildings insurance for the home to help you protect your property and have complete peace of mind.

Our team of experts have more than 20 years’ experience in property insurance within Berkshire and all surrounding counties, so are well placed to advise you on choosing the most suitable home insurance to suit you and your property.

*As with all insurance policies, conditions and exclusions may apply.

What Our Customer’s Say ...

Adrian helped us sort out a really complicated mortgage stiuation involving a Buy to Let and a second purchase. His service was thorough and detailed. We're grateful to him for his services taking away the stress from what was a terribly complex mortgage arrangement and delivering a great result.
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The Benefits Of Our Home & Buildings Insurance Services

What is Covered by Building Insurance?

Many policies are tailored to suit individual needs and vary between each provider.

The majority cover:

Fire, flood and storm damage.
Subsidence.
Leaking pipes causing water damage.
Collisions with vehicles.

Working with us means you can use the latest advice and expertise to work out the differences in cover alongside your insurance responsibilities as a landlord or homeowner.

Save Money and Access Competitive Rates

Our experts not only provide you with great value for money but also help make sure you have the right level of cover for your property too. We advise you always to check the details of your policy to ensure your insurance is right for you.

Using our services gives you access to comprehensive home insurance cover at the most competitive rates.

It’s well worth getting a home insurance quote to ensure you and your investment are fully protected.

How Our Building Insurance Services Help You

Purchasing a property is one of the most important financial decisions any of us make, so getting the right insurance is important to ensure that your investment is protected.

Whether you are looking for buy to let insurance, first-time buyer insurance or you are simply moving home, working with a trusted provider can help you find a comprehensive policy to suit your needs.

Frequently Asked Questions (FAQ's)

The cost will vary between properties depending on the size, type and age of the property as well as the level of cover you want.

Prices are thought to have increased over the years due to the increased chances of weather damage and the rising costs of fixing any issues.

Whether you're a homeowner or landlord you should always read the small print of any insurance policy for exclusions and excess limits in case you need to make a claim.

Want To Know More? Contact us today for a free consultation

Simply fill in the form and one of our friendly advisers will be in touch to arrange your free consultation. We look forward to helping you.

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0118 9455 477

enquiries@beechwoodmortgages.com

68 School Road, Tilehurst,
Reading, Berkshire, RG31 5AW