Kimberworth Insurance Bureau Limited

Home Insurance

Kimberworth Insurance Bureau Limited

Home insurance for buildings and contents need to be closely matched to client’s requirements; many are now tailor made to ensure complete protection of individual possessions.

We only recommend policies with New for Old,
and Accidental Damage included.

Standard Home Insurance is not enough

This also applies if your assets are in excess of those covered under a standard insurance policy.

For example if you have fine art, antiques, jewellery, heirlooms and/or valuable collections then you will also probably need specialist insurance cover.

As well as checking what your insurance covers, you need to be sure that your policy provides a high enough level of cover. Otherwise if you need to claim, you could find your insurance will not pay the full replacement cost of your home and its contents.

What is the right level of Buildings cover?

There are two ways of assessing the level of cover required. Firstly, if you have a mortgage the Lender will have carried out a valuation of the property and recommended a minimum sum insured. Secondly, you can ask for advice. The Insurance industry has published guidelines with regards to rebuild costs which we can reference.

What should your contents be insured for?

Most policies come with a fixed sum insured of £30,000 to £50,000 which is usually adequate for most family homes. However some contents will require specialist appraisal and you should obtain a detailed item by item costing. By taking photographs of individual items you will have a valuable record, should the worst happen. Having a visual record can also speed up the claims process.

Stay protected; keep your details up to date

We pride ourselves on our service and will ask you annually to confirm the level of cover required. Circumstances change, you could receive an inheritance, buy an expensive Mountain Bike, be given some valuable Jewellery, etc.

The right insurance when you need it

Insurance can never fully compensate for the loss of a cherished home or valued possession but it can help reduce the distress, providing the correct level of cover has been secured.
 

Please call 01709 550500, for Insurance advice; OR request a Call Back.