Buildings

Cover is provided for an extensive list of perils such as fire, storm, flood and theft etc. In addition cover is provided for:

• Alternative accommodation following an insured loss
  
• Accidental damage to fixed glass, sanitary ware and underground services
  
• Damage caused by emergency access
  
• The buyer when you are selling your home
  
• Your legal liability as owner of your home

The sum insured should represent the cost of rebuilding your property following damage, not the market value and should also include professional fees and removal of debris costs.

We are often asked for advice on how to calculate the correct sum insured. We recommend you obtain advice from qualified surveyors. As an alternative there is an online caluculator published by RICS (Royal Insitute of Chartered Surveyors) http://calculator.bcis.co.uk