Buildings insurance
It is important to know that your home is fully protected against any perils which it might face such as natural disasters or any other damage it may sustain. Castle Cover offers building insurance which gives you rebuild cover, included as standard, worth £500,000.
With Castle Cover policies you will also get full protection when your home is unoccupied for up to 60 days. This means you can always be confident that your home will be fully protected when you take out buildings insurance through Castle Cover.
The Castle Cover buildings insurance only policy will also cover the cost of accommodation if you have to completely move out of your home. This insurance will cover you for up to 20% of the total sum insured.
- Alternative Accommodation up to £100,000.
- Owners liability - up to £2 million.
- Removal of debris up to £50,000.
What does Buildings Insurance cover?
This covers all of the structure of the address including garages, sheds, greenhouses and other outbuildings. Swimming pools and tennis courts would also be included along with walls and gates. Full details of applicable perils can be found in your policy documentation.
These may vary from fire, lightning explosion, storm and flood to subsidence and landslip, breakage of fixed glass or sanitary fixtures to name but a few. For more details of the terms and conditions of our home insurance policy, view our home insurance policy booklet.
Contents insurance
Castle Cover provide contents insurance to protect all of your contents within one policy. We make sure we provide our customers with excellent benefits so that you not only get quality cover, but it comes at a brilliant price. Some of the main benefits include:
- Standard accidental damage - We cover your contents for standard accidental damage up to value of £50,000. Additional accidental damage available as an extension.
- New for old replacements - Our contents insurance offers new for old replacements. This means that should you need to claim on your contents insurance you will get brand new replacement products. (excluding clothing and household linens).
- Garden Items - To make sure we offer complete peace of mind we also include garden items in our contents insurance. This means that items such as garden furniture, external statues and garden pots worth up to £500 are covered.
- Away from home - To complete your contents insurance package we can also cover items that you take away from your home. The total value of the items protected is £5,000, with a single item also being insured for up to £2,000 – extra premium required.
- Entertainment equipment - Accident damage to TV sets, MP3 player, DVD player, Computers including laptops, digital TV receivers, TV aerials and satellite dishes.
- Frozen food - We cover food in freezer cabinets which is made unfit for human consumption.
- Business equipment - We cover your business equipment up to £5,000.
- Guests personal effects - Up to £500 when contained within the home.
- 10% increase - On total limit of contents during religious festivals and family weddings for gifts and provisions. The total limit is increased by 10% for 30 days before and after the event
For all details of the terms and conditions of our home insurance policy, view our Home Insurance policy booklet.
What’s covered with Contents Insurance?
The easiest way to understand what is covered by contents insurance is by thinking about what you would take with you if you had to move house. This would include furniture, household goods, kitchen equipment, televisions, computer and audio equipment, clothing and valuables up to the stated limits.
