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Intelligent Insurance policies offer building cover for the following: Fire Riot, civil commotion and labour or political disturbances and strikes Malicious damage Impact from aircraft (or other flying devices), or anything dropped from them, vehicles or trains, falling aerials or masts, falling trees or branches, animals Storm, flood or weight of snow Subsidence or ground heave of the site the buildings stand on, or landslip Escape of water from or freezing in any fixed domestic water or drainage installation, heating installation, washing machine, dishwasher, fridge, freezer or water bed Theft or attempted theft Escape of oil from a fixed, domestic, oil-fired heating system

Lots of factors affect your home insurance premium. The area in which you live, the size of your property, and your individual circumstances all have a bearing. If you have a good level of home security, such as intruder alarms and approved window and door locks, you can qualify for a substantial discount. Additionally, having smoke alarms can contribute to reducing premiums. Another factor to consider is increasing your voluntary excess. When contemplating this option, ensure that the chosen excess amount is something you can comfortably cover in the event of a claim. Key Points Factors Influencing Premiums: Geographic location, property size, and personal circumstances are key factors impacting home insurance premiums. Home Security Discounts: Investing in home security measures, including intruder alarms and approved locks, can result in significant premium discounts. Smoke Alarms: The presence of smoke alarms is highlighted as a positive factor that can help lower insurance premiums. Voluntary Excess: Increasing your voluntary excess is presented as a potential money-saving option, with a caution to choose an amount that you can afford to pay in case of a claim. Summary This topic provides practical tips on saving money on buildings insurance by addressing various factors that influence premiums. It emphasises the importance of home security, the installation of smoke alarms, and the consideration of a higher voluntary excess as potential strategies for cost reduction. It is always recommended that homeowners aim to balance cost-saving strategies with ensuring they have the means to cover expenses should a claim arise.

Rental Insurance Overview If you’re renting a property, the responsibility for insuring the structure of the building typically falls on the landlord. As a tenant, you are generally not required to obtain building insurance for the actual structure of the property. Personal Contents Coverage Your focus as a renter should be on protecting your own belongings within the rented space. While the structure is the landlord’s concern, it’s crucial for tenants to consider contents insurance. This coverage safeguards your personal possessions, including furniture, electronics, and valuables, against risks like theft, fire, or other covered events. Landlord’s Responsibility The landlord’s insurance, known as landlord insurance or buildings insurance, is designed to cover the structure itself. This includes protection for the building’s foundation, walls, roof, floors, doors, and windows. It is the landlord’s responsibility to secure this coverage to handle potential structural damage or repairs. Peace of Mind for Tenants Understanding the division of insurance responsibilities between landlords and tenants is essential for renting with peace of mind. While your landlord ensures the building’s structural protection, you can focus on safeguarding your personal possessions with contents insurance tailored to your needs. Clarifying Responsibilities Ensuring clarity on insurance responsibilities at the beginning of a tenancy helps both landlords and tenants fulfil their respective obligations. It’s advisable for tenants to communicate with their landlords to confirm the property’s insurance coverage and, if needed, obtain contents insurance for their personal items. Summary By understanding the insurance dynamics in a rental arrangement, tenants can make informed decisions to secure the appropriate coverage for their specific needs, ensuring a well-rounded approach to protecting their living space.

Comprehensive Outbuilding Coverage In general, yes! Moreover, Intelligent Insurance values your outbuildings and includes them in the quote process. Standard coverage extends up to £40,000 for each outbuilding, ensuring protection for these auxiliary spaces. Tailored Building Insurance Furthermore, for those requiring additional coverage, Intelligent Insurance offers the flexibility to extend building insurance beyond the standard limit. This allows homeowners to customise their coverage according to the value and usage of their outbuildings. Policy Date Considerations For policies purchased before 01/12/2018, note that coverage for each outbuilding is up to £10,000. It’s essential to be aware of the specifics related to your policy date to ensure accurate information during the quote process. Information Required To provide the best coverage, Intelligent Insurance will inquire about the type of outbuilding structure, its construction, and its usage. This detailed information allows for a precise assessment of your outbuilding insurance needs. Defining Outbuildings Understanding that an outbuilding is a structure separate from the main home, used for domestic purposes, is crucial. However, this definition excludes certain structures, such as those open on one or more sides, those lacking a permanent foundation, treehouses, inflatable buildings, or structures made from non-rigid materials. Summary By delving into these specifics, Intelligent Insurance aims to offer tailored coverage, ensuring that your unique outbuilding requirements are met with precision and care.

Accidental damage cover is a protective feature for your contents, specifically designed to address instances where you or your family inadvertently damage possessions. Common scenarios include accidental spills like wine on a sofa or unintentional incidents like knocking over and breaking ornaments. Ideal for Family Homes This coverage proves particularly beneficial in households with children, where accidental mishaps are more likely. It acts as a financial safety net, ensuring that your belongings are safeguarded even in the face of unexpected accidents within the home. Scope and Limitations It’s important to note that accidental damage cover has its limitations. While it covers damages caused by family members, it typically excludes damage inflicted by pets, such as biting, scratching, or chewing. Additionally, coverage may not apply during periods when the property is let, unoccupied, or unfurnished. Business Exclusions Goods used for business purposes are also generally excluded. It’s essential to be aware of these exclusions to understand the scope of protection provided by this type of insurance. Tailoring Coverage to Your Needs Homeowners can often customise their policies to include or exclude accidental damage based on their individual needs and circumstances. This flexibility allows for a tailored approach to insurance, aligning with the specific risks and lifestyle considerations of each household. Summary By delving into the specifics of accidental damage cover, homeowners can make informed decisions about their insurance coverage, ensuring that their belongings are adequately protected against a range of unexpected incidents.