What does Grove & Dean buildings insurance cover?
Buildings insurance generally protects the structure of your home against unexpected damage. This can offer cover for repairs or rebuilding your home if your roof, walls, floors or permanent fixtures are damaged.
But what sort of damage would you be covered for? It could be damage from a flood, bad weather or unexpected events such as storms, fire, vehicle, theft and vandalism.
If you buy a buildings insurance policy through Grove and Dean, home emergency assistance and protection against failure of underground pipes and cables is included as standard!
Exactly what you have included in your policy could vary as Grove and Dean is an insurance broker. Depending on what policy you choose, you could also have cover for:
- Alternative accommodation
- Subsidence
- Potential loss of rent
- If damage is caused by the emergency services accessing your home
What does Grove & Dean contents insurance cover?
If you're looking to find cover for your belongings, contents insurance could fit the bill. Typically, this type of policy can protect items like furniture, electronics, jewellery, appliances and more from damage caused by things like storms, fire, flooding, and theft.
When looking for a contents insurance policy, it's important to accurately estimate the total value of your contents before looking for a policy. Generally, total and single-item cover amounts are set out in your policy. The value of your contents should fall just below your cover amounts, this ensures you have enough cover for your belongings.
If you overestimate the value, you could be unnecessarily paying more for your policy. But if you underestimate, you could be leaving yourself short of cover. Need help figuring out the value of your contents? Try using our contents calculator!
When you buy contents insurance through Grove and Dean, you'll have £75,000 of legal cover and loss of keys protection included as standard. But, depending on what policy you buy, you could also have cover for:
- Accidental damage
- Home office equipment
- Cover for food in your freezer
- Any plants in the garden
- Visitors belongings
- Employee liability cover
As Grove and Dean is an insurance broker, you'll need to check over available policies to find the best package that suits your needs.
Grove & Dean home insurance optional extras
When you buy home insurance, you'll usually be offered a number of benefits to enhance your cover. These tend to come at an additional cost, but some are included as standard. This is why it's important to check over your policy first! Common optional extras include:
Legal protection for your home: Can protect you against expensive legal costs if you need to make a personal injury claim, or a contractual, property or employment dispute.
Accidental damage: If a football kickabout in the garden results in a stray shot smashing a window, you could be covered. Accidental damage can offer protection against unexpected, one-off unintentional accidents caused by sudden physical damage.
Home emergency cover: Some issues, like if your boiler breaks down, require immediate attention. This is where home emergency cover can protect you against costly emergency call-outs and repairs.
Personal possessions cover: At home, your belongings are usually covered by contents insurance. But this doesn't protect you while you're on the go away from home. Personal possessions insurance can include cover for your mobile phone and jewellery insurance if you're on the go.
What Grove & Dean home insurance customers say:
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