General Buildings and Contents Insurance
Buildings insurance provides cover for the physical structure of your home – the walls, roof and fixtures and fittings such as your kitchen and bathroom.
If you have a mortgage on your property you are required by your mortgage lender to have buildings insurance.
At Starlane Insurance we use our expertise to make sure you have the cover that’s right for you, things that are often excluded by other companies to keep prices down, but risk you being exposed to high costs in the event of a claim:
As well as cover for fire we will make sure that you have a policy which provides cover for Subsidence and Flood damage which may be excluded by insurers offering cheaper policies if your property has suffered claims from these in the past.
Flooding from rising groundwater accounts for 25% insurance claims but many insurance policies don’t cover this. We make sure you have this cover as standard.
We offer cover for garages and boundary fences or walls – again insurance that is often excluded in cheaper insurance policies.
If you need to make an amendment to your policy, such as changing your mortgage provider, we won’t charge an admin fee for this.
If your property has a history of subsidence or flooding or if you are away from your property for extended periods of time we are experts in Non Standard Home Insurance.
Contents insurance provides cover for the possessions within your home such as furniture, electrical items, jewellery and clothes.
At Starlane Insurance we make sure that you have the cover you need, rather than offering you the cheapest price so that, in the event of a claim, you can be confident you are covered:
We always give accidental damage cover, an option often excluded on price comparison sites, as we know that this is the biggest reason for a claim on a contents policy, particularly when there are children in the home.
Our policies offer ‘new for old’ insurance as standard meaning that if your possessions are stolen or damaged beyond repair you can replace them with a new item.
We offer policies with personal possessions cover which means that your possessions are covered when you take them outside of your home – again many cheaper insurance policies will exclude this cover.
If you have items of high value such as jewellery, collectables or equipment in outbuildings our High Value Home Insurance may be right for you.