Combined buildings and contents insurance provides cover for both. It is the highest level of home insurance cover you can buy.
Buildings insurance can provide cover for the costs involved in repairing damage to the structure of your house and a complete rebuild if a repair isn’t possible.
Contents insurance provides cover for your internal possessions such as furniture, electrical appliances, jewellery, clothes and more.
Home insurance policies typically include coverage for a variety of hazards, such as fire, theft, vandalism, and certain types of weather-related damage.
In the event of a covered loss or damage, the insurance company will provide financial compensation to the homeowner to help repair or replace damaged property or possessions.
Policies can be tailored to specific requirements with optional cover extensions available for accidental damage, personal belongings, High Risk items, Home Emergency cover, legal expenses, and more.
Up to £100,000 cover for contents as standard
This covers loss or damage to contents in your home, including household goods, furniture, personal documents, valuables, personal belongings, money, and credit cards.
Cover is provided as standard for:
For details of what is not covered, please refer to the Policy Wording.
Up to £1 million buildings cover as standard
This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings as well as patios, drives, garden walls, fences, hedges, and gates.
Cover is provided as standard for:
For details of what is not covered, please refer to the Policy Wording.
Option to cover your valuables and high risk items
Standard
‘Valuables‘ are items such as paintings, works of art, stamp, medal, or coin collections, clocks, and also jewellery or watches that are never taken out of your home. These items are covered as standard under your Contents Insurance when they are in the home, up to a maximum of £30,000. Any valuable (also referred to as a High Risk Item) worth over £2,500 must be listed individually on the policy in order to be covered, up to a maximum of £10,000 per item.
Optional
‘Personal Belongings‘ include jewellery, watches, and personal items which you normally wear or carry with you, as well as pedal cycles and their accessories. This cover is optional, providing for loss or damage occurring whilst your Personal Belongings are in your home and also whilst away from your home. We can offer up to a maximum of £20,000 of cover for Personal Belongings. Items that are worth more than £2,500 each or pedal cycles worth more than £500 each must be listed individually on the policy in order to be covered.
Option to cover your home against sudden, unexpected events
Home Emergency add-on covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:
If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, we will send an engineer to your home to complete a repair and prevent or limit any further damage. We will pay for call out charges, labour, and materials to get your home back to a safe state or restore the key services.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.
Option to include accidental damage to your buildings, contents, or both
Buildings
As standard, a limited amount of accidental damage protection which covers accidental damage to underground services at your home and accidental breakage of glass, ceramic hobs, and sanitary-ware which are fixed to and form part of your home.
If you choose the optional Accidental Damage cover, this protects the rest of your home. For example, if you were to drill through a pipe whilst putting up some shelves, or put your foot through the ceiling whilst in your loft, we would pay for the cost of repairing the damaged pipework and the cost of any redecoration required.
Contents
As standard, a limited amount of accidental damage protection which covers accidental damage to TV, satellite, and audio equipment and accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture.
If you choose the optional Accidental Damage cover, this protects the rest of the contents in your home. For example, this would cover if you were to spill food or drink on a carpet or sofa, or dropped your tablet computer in the bath.
Option to protect you against legal costs up to £50,000
The optional Legal Expenses cover provides you with access to a wide range of solutions, including professional mediation, that are designed to address your individual circumstances. The areas covered are:
For full details of specific cover, please refer to the Policy Wording and your policy documentation.
If you or your family need legal advice on any personal or domestic matter or are unsure of the best way forward, you will also have access to our free legal helpline for expert advice and guidance at any time of the day or night.
Yes, mobile phones and bikes can be covered under the add on Personal Belongings cover as they’re taken outside your home.
Bicycles have their own specific cover section, and need to be specified if they’re worth more than £500 up to a maximum value of £3,000 per cycle and £5,000 for all cycles collectively.
Unfortunately, any damage to your fences caused specifically by storms or flood will not be covered, but under our buildings insurance they are covered for certain other circumstances such as vandalism or fire.
Yes, you need to tell us about any item that is valued at over £2,500, as well as providing a valuation certificate for any jewellery or watches that are worth over £3,000 if you want them to be covered away from your home.
You can cover any individual item up to a value of £10,000 or several items collectively valued up to £20,000 (for cover away from the home) or up to £30,000 (for cover within the home).
It covers you for up to £1,000 to make your home safe and secure in the event of a domestic emergency. This includes problems with:
If any of these emergencies occur which cause your home to become unsafe or cause a loss of these services, an engineer will be sent to your home to complete a repair and prevent or limit any further damage. Call out charges, labour, and materials to get your home back to a safe state or restore the key services will be covered.
Home Emergency cover is not a maintenance policy and does not cover the cost of routine maintenance in your home, nor does it provide or cover the cost of boiler servicing or maintenance.
The standard excess amount payable on our Home policy is £100 on most Buildings & Contents claims. For claims relating to escape of water, it’s £250, and for claims for subsidence/heave/landslip it’s £1,000.
You can also choose to add a voluntary excess in addition to this. A higher total excess value makes your insurance cheaper, a lower value means you pay less towards a claim.
Claims lines are available 24 hours per day, 365 days per year.
To speed up your call, make sure you have your policy schedule to hand first.
Cover My
Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA
Cover My is a trading name of Reach Financial Services Limited. Reach Financial Services Limited is authorised and regulated by the Financial Conduct Authority. FCA Register Number 302801.
Reach Financial Services Limited is a limited company registered in England Company No: 4328466 Registered office: Kempton House, Kempton Way, PO Box 9562, Grantham, Lincolnshire, NG31 0EA.
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