Whether you’ letting a single home or you own a large portfolio, getting quality, cheap home insurance is a must, yet all too easily becomes a time-consuming task for any residential landlord.
Cubit Insurance can provide you with the real deal – a quality home insurance which will not only protect your capital investment, but will also cover you for possible claims tenants might make against you.
And to top it off, we’ve made the whole process of buying our insurance simple and straightforward. We provide flexible payments in order to help you manage costs better, and we can bring multiple addresses under a single policy to avoid confusion – there’ll be less paperwork to deal with, fewer renewal dates to memorise, and you’ll be gifted with greater security.
We can also insure all types of tenanted properties, from professional, student and DSS lets, through to holiday homes, block of flats, unoccupied properties awaiting tenants, even those properties designated for asylum seekers.
And even if you think you have a property which is a little out of the ordinary, don’t hesitate to contact us – you’ll be pleasantly surprised at the flexible options we have available when dealing with home insurance cover.
Home Insurance is the term used to describe two areas of insurance pertaining to homes:
As mentioned above, this part of the policy covers damage to the structure of your home, which in many ways is the very home itself! You never know when damage can occur to the floors, roof and walls of your home, and its important to have such a possibility covered. That includes damage to fixtures and fittings, or simply when you’re having a new kitchen or bathroom fitted in and need the repair costs covered.
A breakdown of circumstances you’ll be covered for is as follows:
What Buildings Insurance Doesn’t Cover
Whilst major damage to the structure of your building will be covered, it’s important to know that not all problems will be seen to. Issues of general wear and tear are not included within such a policy, as are the areas below:
You can’t normally claim for loss or damage which happens whilst your property has been left unoccupied for more than 30 or 60 days.
You’ll also need to consider that if your property has been left unattended or unoccupied from 1-2 months, it’s unlikely we’ll feel obliged to cover claims for loss or damage.
Whether you own a home or are renting out a property, buildings insurance is essential; likewise, a condition of mortgage if to have such a policy in place.
The only time buildings insurance isn’t essential is when you’re renting a property; in that case it’s the responsibility of your landlord to get things sorted; although as tenant, you might want to consider home contents insurance cover, which you can read more about below.
Contents Insurance is there to cover losses or damage to the materials and/or objects throughout your home, which are not considered to be part of the building’s structure, nor are they attached to the building itself.
The most common examples will be
The policy will cover these things in light of theft, a fire or a flood.
Personal Possessions Cover is an extension of the standard contents insurance cover, helping to cover items you might frequently use outside of the home, for example:
This extension of the policy can also cover you when you travel abroad; it’s common to want to take a camera and a laptop with you on your travels, and the last thing you want is to have no cover should something go wrong.
The following are not considered to be satisfactory areas of cover:
House damage can occur at any time, which will put your house possessions in danger of damage too. You’ll also want to protect your possessions from burglary and the likes – but with not content insurance, none of this will be covered.
I am Happy to have cheap car insurance from cubit. I have observed cubit insurance as the best insurance company because of its cooperative and on time responsive staff.
Jay’s customer service was excellent and the way he explained the policy was very clear and easy to understand… definitely recommend, ask for Jay.
Cubit insurance have offered me a great service today. Mohammed and Ozlem was very friendly, helpful and professional. I definitely recommend!
If you want to get Insurance services, I think cubit Insurance is much better option. I used their services and I am very satisfied. They are actually providing good services.
Very happy, jay is very polite and nice guy. If possible id give more than 5 stars
Very helpful staff and great prices. Very happy customer 🙂