Household Insurance

There are different sections to a household policy, Parkway Insurance caters for a range a household insurance whether it’s a comprehensive buildings & contents policy, buildings only or contents only, we will be able to find the level of cover that suits you from our selected panel of insurers. The different sections are described below:

– Buildings Insurance: This covers damage to the structure of the property; this will include walls, fitted kitchens, fitted bathrooms and permanent fixtures. The cost of rebuilding your property usually differs from the market value and will include such costs for demolition, site clearance and architects’ fees. If you are unsure of the rebuild sum for your property, then seeking professional help from a qualified surveyor would be advised.

– Contents Insurance: This covers for the replacement of your belongings inside your home if they are damaged, stolen or destroyed. Your contents are described as all the items you would take with you if you moved house.

– Unspecified Items:  This cover is optional, under this section you can cover valuable items away from the home such as jewellery, laptops, cameras, watches etc.

– Specified Items: This cover is optional, under this section higher valued items that exceed the single article limit can be specified to cover them in and out of the home.

– Accidental Damage – We all know accidents happen in life and that is why our insurers give you the option to add this valuable cover to your policy. The definition of Accidents in the home is classed as sudden and unexpected events which have caused visible damage. They are inevitable and have not been caused on purpose.