Home Insurance

Whether you’ letting a single home or you own a large portfolio, getting quality, cheap home insurance is a must, yet all too easily becomes a time-consuming task for any residential landlord.

Cubit Insurance can provide you with the real deal – a quality home insurance which will not only protect your capital investment, but will also cover you for possible claims tenants might make against you.

And to top it off, we’ve made the whole process of buying our insurance simple and straightforward. We provide flexible payments in order to help you manage costs better, and we can bring multiple addresses under a single policy to avoid confusion – there’ll be less paperwork to deal with, fewer renewal dates to memorise, and you’ll be gifted with greater security.

We can also insure all types of tenanted properties, from professional, student and DSS lets, through to holiday homes, block of flats, unoccupied properties awaiting tenants, even those properties designated for asylum seekers.

And even if you think you have a property which is a little out of the ordinary, don’t hesitate to contact us – you’ll be pleasantly surprised at the flexible options we have available when dealing with home insurance cover.

Home Insurance is the term used to describe two areas of insurance pertaining to homes:

• Buildings Insurance, which is for the permanent fixtures and fittings of a building – kitchens, bathrooms, doors and windows for example
• Contents Insurance, which is for things kept in the home/flat – flooring (including carpets), furniture, personal belongings of any kind, TVs and so on.

As mentioned above, this part of the policy covers damage to the structure of your home, which in many ways is the very home itself! You never know when damage can occur to the floors, roof and walls of your home, and its important to have such a possibility covered. That includes damage to fixtures and fittings, or simply when you’re having a new kitchen or bathroom fitted in and need the repair costs covered.
A breakdown of circumstances you’ll be covered for is as follows:

• Car and lorry collisions
• Driveways
• Falling trees
• Fire, smoke and explosions
• Garages
• Natural events such as storms and floods
• Oil leaking from your heating system
• Outside walls
• Subsidence
• Vandalism
• Water damage from leaking pipes

What Buildings Insurance Doesn’t Cover
Whilst major damage to the structure of your building will be covered, it’s important to know that not all problems will be seen to. Issues of general wear and tear are not included within such a policy, as are the areas below:

• Frost (unless it causes damage from a burst pipe)
• Leaking gutters
• Some pests (for example, insects and birds)
• Storm damage

You can’t normally claim for loss or damage which happens whilst your property has been left unoccupied for more than 30 or 60 days.
You’ll also need to consider that if your property has been left unattended or unoccupied from 1-2 months, it’s unlikely we’ll feel obliged to cover claims for loss or damage.

Whether you own a home or are renting out a property, buildings insurance is essential; likewise, a condition of mortgage if to have such a policy in place.

The only time buildings insurance isn’t essential is when you’re renting a property; in that case it’s the responsibility of your landlord to get things sorted; although as tenant, you might want to consider home contents insurance cover, which you can read more about below.

Contents Insurance is there to cover losses or damage to the materials and/or objects throughout your home, which are not considered to be part of the building’s structure, nor are they attached to the building itself.
The most common examples will be

• Clothing
• Electrical Goods
• Furniture
• Jewellery

The policy will cover these things in light of theft, a fire or a flood.
Personal Possessions Cover is an extension of the standard contents insurance cover, helping to cover items you might frequently use outside of the home, for example:

• Cameras
• Jewellery
• Laptops
• Mobile Phones

This extension of the policy can also cover you when you travel abroad; it’s common to want to take a camera and a laptop with you on your travels, and the last thing you want is to have no cover should something go wrong.

The following are not considered to be satisfactory areas of cover:

• Computer damage caused by a virus
• General wear and tear of any given item

House damage can occur at any time, which will put your house possessions in danger of damage too. You’ll also want to protect your possessions from burglary and the likes – but with not content insurance, none of this will be covered.