Safeguard Your Home
Home insurance is essential for protecting your property and belongings from unforeseen events, giving you peace of mind as a homeowner.
Whether it is damage from natural disasters, theft, or accidents, home insurance covers the costs of repairs and replacements, ensuring your home remains a safe haven. Having this coverage also provides liability protection in case someone is injured on your property.
With various policy options available, your insurance advisor can help you customize a plan that fits your unique needs and budget. Secure your investment and protect what matters most to you, knowing that you’re prepared for the unexpected.
Types of Home Insurance
1. Building Insurance
Building insurance provides financial protection for the main structure of your property, including the roof, walls, and windows, and often includes fixtures like fitted kitchens or bathrooms. Coverage typically encompasses:
• Fire, Smoke, and Water Damage
• Damage from Vehicle Collisions
• Natural Disasters (e.g., storms and floods)
The coverage amount may differ from your property’s market value, as it includes essential costs like demolition, site clearance, and internal finishes. At Northern, our experts guide you to find the optimal coverage for your home’s unique needs.
2. Contents Insurance
Contents insurance covers the replacement or repair of removable items in your home if they are damaged, destroyed, or stolen. This includes:
Furniture (sofas, beds, dining sets)
Art and Antiques (paintings, collectibles)
Personal Items (jewelry, clothing)
Electronics (TVs, computers)
Kitchen Appliances (both large and small)
In the event of a claim, depending on your policy, coverage may provide a payout based on agreed value or replace items with similar new ones. Always review your policy details or consult one of our specialists to ensure your valuables have the right coverage.
3. Building & Contents Insurance
This type of policy combines both building and contents insurance, offering you a convenient, all-encompassing plan to protect both the structure of your home and its contents.
Benefits and Coverage
Asset Protection
Our insurance safeguards your home investment, offering essential financial protection against damages and losses.
Protection from Natural Disasters
Coverage for repairs and rebuilding after natural disasters, ensuring stability in difficult times.
Liability Coverage
Covers medical and legal costs if someone is injured on your property, reducing your financial burden.
Theft and Vandalism Protection
Insurance against theft and vandalism, helping recover losses from stolen items or damages.
Coverage for Personal Belongings
Protects valuable items like electronics and jewelry, covering unexpected losses.
Home Repair Assistance
Insurance for home maintenance issues like roof or plumbing repairs, making upkeep easier.
Explore Our Informative Blog
Stay informed with expert advice, industry news, and tips on securing the right coverage for your needs. Explore our latest articles to make smart insurance decisions.
