Are you ready to embark on an exciting journey of homeownership?

Congratulations on your new home! As you take this important step, it's essential to safeguard your investment and secure your peace of mind. This is why we have designed this insurance guide specifically for new homeowners like you.

The two main insurance products that you should consider to protect your new home are a Buildings & Contents Insurance policy (known as Home Insurance) and a life insurance policy.

A home insurance policy offers coverage to protect your home and its contents against unexpected damages, theft, and natural disasters.

For example, as you will need to fit the floors and kitchens in Hassan Centenary Terraces, the management’s building insurance policy will not provide cover for such. This should be insured by yourself.


Building Insurance

Building insurance covers the structure of your home, this includes walls, ceilings and permanent fixtures and fittings such as bathrooms, floors or fitted kitchens.

Contents Insurance

Contents insurance covers your household goods and personal property, which is typically everything that you would take with you if you move out. Things like furniture, electrical equipment and personal possessions.


Some of the covers available:

Note the following will depend on the insurance provider and on which sections you are insured for, these may include:

  • Fire, explosion, lighting, earthquake

  • Subsidence

  • Storm, flood

  • Escape of water from tanks, pipes etc

  • Theft

  • Trace & access

  • Electrical power surge

  • Personal possessions away from home

  • Pedal cycles/ golf equipment

  • Accidental damage to contents


 

Life insurance serves as a crucial safety net, providing invaluable financial protection for your loved ones in the unfortunate event of your passing or if you are diagnosed with a terminal illness. While discussing or even contemplating these matters can be challenging, it is an essential aspect that requires attention.

By securing a life insurance policy, you ensure that your beneficiaries receive a lump sum payment, commonly known as the death benefit. This financial support can play a vital role in addressing various expenses, for example mortgage payments and other financial obligations.

The beauty of life insurance lies in its ability to be customized according to your specific needs and budget. You have the flexibility to tailor the policy to align with your unique circumstances, ensuring that it provides the optimal level of coverage while remaining within your financial means.

* Based on an individual of age 25 with a sum assured value of £100,000.00 at a terms of 30 years.

 

At Capurro Insurance, we understand that you take out insurance for a reason - that, one day, you may need to make a claim. We also understand that some insurance companies have been criticised for taking too long or, even, not paying out at all.

We take great pride in our record of helping our clients obtain full satisfaction when they make a claim.

What do we do?

Our inhouse claims department deal with all types of insurance claims and will assist you with the following:

Inform you and guide you through the claims procedure

  • Respond to a newly notified claim within one working day

  • Assist you with the relevant forms and surveys

  • Liaise with insurers and loss adjusters

  • Provide you with regular updates on the status of your claim

  • Chase insurers for prompt settlement