House Insurance FAQ

Q. I live in a block of flats, do I need buildings insurance?

A. No, it is common for the owner of the leasehold to insure the property against fire, storms etc. However, it is possible for tenants who live in flats or apartment buildings to make a contribution each year to cover the cost of maintaining shared garden areas, roof, stairs etc and often covers the insurance of the building also. It would be wise to have contents insurance though if the property is furnished with your own belongings.

Q. Is laminate flooring covered by my buildings insurance or contents insurance policy?

A. As a general rule flooring is listed as contents, however, laminate flooring where you have pieces cut and glued down is a grey area with many insurance companies so it would be wise to check with the individual insurer.

Q. Can I get insured if I live in a flood plane?

A. Yes, it just means that your premium may be slightly higher because of the increased risk of flooding. It is important that you declare this information when applying for your insurance, as it will affect your insurance if you were to claim.

Q. Does my house insurance cover my garden fences and gates?

A. Check with your Insurer, but generally fences are not covered by your Building Insurance.

Q. I have made a claim with my Insurer and I don’t agree with the amount they have suggested. Can I complain and get this amount increased?

A. First of all you should check your policy and discuss this with your insurance provider, if you are still unhappy then you can take your case to the Insurance Ombudsman.

Download the Home and Contents Insurance PDF Guide here - see our other free PDF guides here

Guide Contents

Advice on Contents and Home Insurance Cover
Buildings insurance, what does it cover
Contents insurance, what does it cover
Shopping around for home contents insurance
Applying for buildings and contents insurance
House insurance FAQ
Home Insurance Information

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