Quoteline Direct home insurance

Buildings insurance generally covers the structural and fixed elements of your property. This includes the cost of repairs or rebuilding your home if your roof, walls, floors or permanent fixtures are damaged.

Damage can be caused by extreme weather and unexpected circumstances such as storms, floods, fire, vehicle theft and vandalism damage. A buildings insurance policy can typically protect you against the financial cost of these situations.

If you have a mortgage, most providers require you to have a buildings insurance policy as a condition of your agreement.

As a home insurance broker, exactly what's included in your Quoteline Direct policy could vary depending on the policy and cover you choose. But buildings insurance can offer cover for:

• Subsidence
• Accidental damage
• Alternative accommodation
• Home Emergency Cover
• Home Legal Protection

It can also provide cover for other things including:

• Trace and access: Provides cover to find and fix hidden water or oil leaks.
• Locks and keys: Protects you against the cost of key or lock replacement.
• Damage caused by the emergency services: Cover can help recover costs if any damage is caused by emergency services gaining access to your home.
• Homeowner liability: Can help cover costs if someone makes a claim against you for loss or damage while on your property.

Home insurance policies will state the cover you can expect to receive as standard. You'll find some common exclusions, but you do have the option to upgrade your policy with a number of extra benefits.

Depending on the policy you buy through Quoteline Direct, sometimes you'll have these included in your policy as bonus features. But typically, these tend to come at an additional cost.

Common optional extras include:

Legal protection: This can offer protection against expensive legal costs if you need to make a personal injury claim or a contractual, property or employment dispute.

Accidental damage cover: If you're playing cricket in the garden, for example, and a stray shot smashes a window, you could be covered! This type of cover is beneficial when unexpected, one-off unintentional accidents cause damage.

Home emergency cover: Some issues require urgent attention, such as a boiler breakdown. Home emergency cover can protect you against costly emergency call-outs and repairs.

Personal possessions cover: Contents insurance tends to cover your belongings at home. If you want to enjoy similar cover away from home, you could consider personal possessions insurance. This can help protect items like mobile phones from theft, damage and loss if you're on the go It can also include jewellery insurance if you declare any items you want cover for.