Buildings insurance covers the cost of repairing damage to the structural parts of your home.
Things like the roof, windows and walls of your property, and also
permanent fixtures like bathroom suites and fitted kitchens.
Get a buildings and contents insurance quote in just a few minutes, using the button below!
Buildings Insurance covers the cost of repairing damage to the structural parts of your home.
Things like the roof, windows and walls of your property, and also
permanent fixtures like bathroom suites and fitted kitchens.
Get a buildings and contents insurance quote in just a few minutes,
using the button below!
So, what is building and contents insurance in the UK? Buildings insurance covers your property against structural damage. It’s often combined with contents insurance so that everything is covered under one policy.
Buildings Insurance covers the cost of rebuilding your home, excluding the cost of the land it’s on. When you choose the level of buildings cover you need, it should be based on the rebuild value of your property - not the price you paid for it, or would sell it for.
Contents Insurance
is designed to cover your stuff in case something happens, whether
that’s in your home or when you’re out and about. Phones, jewellery,
bikes, even your sofa can all be covered under Contents Insurance.
Want to find out more? Check out this handy blog for the low-down on
building and contents insurance explained.
Get a building and contents insurance quote
here in minutes!
Now you know the building and contents insurance meaning, you might be wondering,
‘do I need building and contents insurance?’
Buildings Insurance is for homeowners. It covers your building and the
structural parts of your home against damage.
If you’re buying your property with a mortgage as a freeholder,
your mortgage provider will often require you to have Buildings
Insurance in place from the date of exchange.
With our quick quotes and easy online account management, Urban Jungle Buildings
and Contents Insurance is great for first-time buyers. Find out more about
buildings and contents insurance for first-time buyers here
and buildings and contents insurance for new builds here.
You don’t usually need house contents and building insurance if you’re renting a property - it’s up to your landlord to take out a policy. If you are a tenant and want to insure your stuff, check out our Home Contents Insurance.
So, what is covered by buildings and contents insurance? Urban Jungle’s Building and Content Insurance policy is made for homeowners who need insurance for their property, its fixtures and the stuff inside, so your entire home is covered.
Our Home Content and Building Insurance policy covers the insured building
if it’s damaged by fire, vandalism,
subsidence,
landslips, storms,
floods and escaped water or oil. It also covers alternative accommodation
costs if your house becomes uninhabitable. We offer £1 million of building
cover, and if you want you can add on Accidental Damage, Legal Expenses
Cover and Home Emergency Cover.
Find out more about
building and contents insurance: what does it cover here, and all about
building and contents insurance with boiler cover in this handy blog!
The contents part of our policy covers things like your phone, laptop and furniture (basically anything you’d normally take with you when you move) against fire, storm or flood, with the option to include Accidental Damage cover.
Urban Jungle’s Contents and Building Insurance gives you:
You might be wondering...
Your mortgage lender may require you to purchase house building
and contents insurance, or just
buildings insurance.
The answer to ‘should I get buildings and contents insurance
together?’ is something you’ll need to decide for yourself.
Though something to consider is the simplicity of having combined
buildings and contents insurance policies under one insurance provider.
If you don’t have a mortgage, home building and contents insurance
is not compulsory or a legal requirement. Although you may want
to consider if you would be able to cover the cost of repairing
your home, should the worst happen.
If you’re wondering ‘which buildings and contents insurance would
be best for me’? It might be useful to compare buildings and
contents insurance policies to find the best buildings and contents
insurance provider for you. It’s quick and simple to compare
building and contents insurance using building and contents insurance
comparison tools online.
Get building and contents insurance quotes online here
Accidental damage refers to unexpected and unintended damage
or breakage. This would have been caused by a single, sudden
and one-off event that was unforeseeable and identifiable. It can be a part of
building insurance and contents insurance.
Global research company Mintel reports that a third of claims
on Home Insurance are from accidental damage, with it being the
most popular thing to add to a policy.
Urban Jungle offers Accidental Damage as an add-on to building
and house contents insurance. When getting contents and building
insurance quotes simply select to include it. Read more about
accidental damage on contents and buildings insurance here.
Get buildings and content insurance quotes in minutes
here.
You may be asking ‘can you change home insurance mid-year?’.
Most insurance companies will tie you into a yearly buildings
and home contents insurance policy. Here at Urban Jungle, you
can do what works for you, either monthly or yearly.
On your Urban Jungle Buildings and Contents policy, you won’t be
charged interest for picking monthly either unlike a lot of
traditional home buildings and contents insurance providers.
Choosing an Urban Jungle monthly Building and Home Contents
Insurance policy means you can cancel anytime for free. We know
things change and quite often you’re on the move, so being able
to make changes to your home contents and building insurance
online makes insurance more faff-free!
Get house buildings and contents insurance quotes
here in minutes!
For buildings and contents home insurance, you'll often need
to provide proof to your mortgage lender that you have insurance
in place. You’ll often need home insurance for buildings and
contents before completing on your property.
Get building and content insurance quotes here.
Buildings insurance excess is a specified amount you pay towards
a successful claim. You will often have the chance to select
your voluntary excess (excess you can choose) but there may be
a compulsory excess (excess which the insurer choses) which
cannot be changed for things like household leaks.
Checkout more in our blog on
voluntary excess on home insurance here.
An insurance underwriting company is the insurer you pay your premium to which is responsible for paying your
claims.
Urban Jungle works with several underwriters to offer you a range of products. For more information about who
we work with, please see
‘which underwriters do Urban Jungle work with’ here.
Legal expenses insurance (LEI), also known as legal protection,
is a type of cover designed to provide you advice and representation
if you get into a legal dispute with a company or an individual.
You can select Legal Expenses Cover as an optional add-on to most of our Urban Jungle
Building and Contents Home Insurance policies.
If you have added legal expenses cover or landlord legal expenses
cover, it will be listed in your policy documents after purchasing.
Home emergency cover is a type of insurance designed to cover
the costs due to a sudden unexpected event that requires
immediate action, to prevent further damage or to make your home habitable.
Most of our Urban Jungle policies can include Home Emergency as an optional add-on. Whilst completing the quote
questions, you will be offered a Home Emergency cover add on if it is available for the policy you are purchasing.
If you have added home emergency cover or let home emergency cover, it will be listed in your policy document.
Find out more on
home emergency cover here.
Here when you need us
Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our FAQs.
Our FAQs Get in touchNot quite right? Find the policy that’s right for you.
Urban Jungle’s Buildings & Contents Insurance policy is underwritten by Wakam Insurance Company.
Copyright © 2016 - Urban Jungle Services Ltd. Urban Jungle Services Ltd is a company registered in England and Wales under company number 10414152. Urban Jungle is authorised and regulated by the Financial Conduct Authority, under the registration number 782061. See the Financial Services Register for further details.
