At Cornish Mutual, we understand the importance of
feeling secure in your home.
That's why we offer a broad and flexible range of cover choices,
using our experience to point out pitfalls you might not have
thought of, so you can enjoy the security of knowing you have
exactly the right protection for your home and property.
Home Buildings
Naturally, we offer cover against fire and the usual array of
dangers that can commonly damage the buildings of your home.
However, our building insurance covers other things you might
not have thought of, like accidental damage to sanitary fittings,
glass and underground services. We also include your liability as
the property owner in case, for example, someone is injured by
tiles falling from your roof.
We'll help you to make sure you are insured for the true
cost, should you need to rebuild your home from scratch -
including an allowance for the cost of debris removal, architects'
and surveyors' fees and local authority requirements - so your
policy won't come up short should the worst happen.
Home Contents
Our home insurance covers repair or replacement (new-for-old) of
most possessions in your home, that are damaged or lost as a result
of a long, pre-agreed list of events or dangers.
Our home insurance includes important points like replacing your
locks if your house keys are stolen, loss of oil or water (if
you're on a meter), for example if a pipe bursts, and loss of food
if there's a problem with your home freezer. Personal liability
cover is also included as standard.
Legal Expenses
This cover is automatically
included in your policy, and offers free advice helplines for
legal, tax and other problems. Its biggest benefit, though, is
cover against costs in unforeseen legal disputes, such as building
work on a neighbour's roof causing damage to your home or a shop
fitting your new carpets badly then refusing to make good the
damage.
How much to insure?
In case you are not sure how much your "sum insured" should be
on either your buildings or contents insurance policy, we have
prepared this downloadable
guide to the true costs of rebuilding or refurbishing your
home.
