Buildings Insurance Protection
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This is a type of insurance that is a compulsory requirement of your mortgage lender. However, the choice of insurance company is down to you. You are not obliged to use your lender for any insurance related to the mortgage or the property.
What does building insurance protect against?
This type of insurance would cover you against loss or damage cause by the following:
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fire, smoke, explosion, lightening or earthquake
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storm or flood
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theft, attempted theft, malicious acts or vandalism
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subsidence, heave or landslip
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falling trees, escape of water or oil
The policy also covers the property owner's liability and alternative accommodation that is sought in the case of uninhabitable property. You can also obtain cover for accidental damage to buildings at an additional cost.
Here at Affinity, we have access to a range of companies who can provide you with buildings insurance and also offer extra services you may need, such as cover for legal expenses and home emergencies.
