Building and Contents
Protecting your Home
Need Building & Contents Insurance cover same day arranged from the comfort of your own home? EMS will save you the time shopping around at no extra cost and ensure you secure the right policy to match your requirements. Don’t forget, if you are buying a new property you need to have buildings insurance in place by exchange of contracts (ie before completion)
Advantages of arranging your Building & Contents insurance with EMS:
- Our qualified consultants will advise, quote, and arrange your policy
- No need to provide your information repeatedly for each insurer as with comparison websites.
- No extra cost - EMS do not charge you a fee for quoting or arranging your home insurance policy
- Our consultants will go the extra mile and forward your policy confirmation to your lender
- EMS will do the work for you - our consultants will source your quote from a select panel of leading insurers
- EMS advise and arrange residential and landlords insurance
- Complete the following brief details, our consultants will do the hard work and return with the right cover at a competitive price.
Buildings insurance usually covers loss or damage in the event of:
- fire
- explosion
- bad weather, including lightning, storms and flooding
- earthquakes
- theft or attempted theft
- malicious damage or vandalism
- freezing or bursting of any part of the plumbing system
- falling trees, lamp posts, aerials or satellite dishes
- subsidence
- impact by vehicles or aircraft
What is covered:
Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Outdoor structures such as garages and fences are also included. Buildings insurance covers permanent fixtures and fittings, interior decoration and underground tanks, pipes, cables, and drains for which you are responsible from your home to the mains supply.
Your buildings insurance should cover the full rebuild cost the property. This should include costs such as demolition, clearing the site, and architect's fees. Make sure any special features such as a luxury fitted kitchen or a conservatory are also included.
Accidental damage:
You can extend a buildings insurance policy to include accidental damage to the inside of your home. This costs extra but is well worth having, as most smaller claims tend to be accidents. (eg Putting foot through loft floor).
Contents insurance:
As well as the property itself, you need to protect the valuable contents inside your home. This covers the value of your possessions in the event of flood damage, theft or accidental damage (if included in the cover you have chosen).
Peace of Mind:
You could go to one of the supermarket insurance sites, maybe get it a few pennies cheaper and cross your fingers in the hope that you don't have to make a claim.
Or you could get a quote from our panel of leading insurers who are well trusted in the industry to look after Household Insurance if the need arrives to make a claim.