Buildings and Contents Insurance

Everyone wants the best quote for Buildings and contents insurance, and we understand that. At the same time, the quality of cover needs to meet your requirements too. That’s why it is wise to take advice when looking for policies. There are so many different Insurance companies offering cover, with different levels of excess and different features to consider, that it is difficult to compare like for like.home insurance cover from harvey bowes

Here are our top tips for finding the right home insurance:

  • Check and double check the excess payable for any claim. Some comparison sites build in into the quotation much higher excesses than you would find on a standard policy
  • Make sure you have your valuables covered. It’s easy to get a basic quote, but if your valuables (such as jewellery, family heirlooms, cycles, technology equipment etc) are valuable to you, then having them listed on your policy will remove any doubt as to whether they are covered in the event of a claim
  • Understand the policy extras. There are specific extras that may hold genuine value for you, such as Home Emergency and Legal Cover. You can find helpful definitions of what this is further on within this page
  • Check the rebuild cost of your property, which you will be able to find on a mortgage or remortgage valuation and make sure the rebuild cost of your policy is enough. If your last mortgage valuation was some years ago, take extra care to make sure you have enough cover.
  • Contents cover. Take a look at your property and tot up the value of the items. In the event of a fire or flood where you could suffer a total loss, is the contents cover limit really enough to cover all of the items you’d need to replace.

Unlike many comparison websites, we won’t automatically credit check just to provide an insurance quote for Buildings and Contents cover. We can quote you without obligation and we can offer you the right advice to make sure you make a sound choice, both with the provider of your insurance and the policy features that are important to you. Home insurance can be quite complex, so we’ll explain what is important to you, jargon-free. Some policies cover the contents of a garden shed, others don’t. Some policies offer ‘new for old’ and some don’t. Don’t be caught out by the small print on a policy, discuss your requirements with one of the team members at Harvey Bowes and you can have peace of mind in knowing you have the right policy. And this advice does not cost the earth either – just like comparison websites, we are paid commission from the lender and won’t charge you a fee for advising on and arranging your policy.

What is Home Emergency Cover?

Home Emergency is sometimes an additional feature available for a little extra payment above your normal monthly premium. What is covered does vary between insurance providers in respect of the finer details of the policy. However, what it does cover is those unforeseen emergencies, where you might need an urgent response from a trades-person or qualified specialist. For example, if your Boiler broke down, or the Electricity fails and you need a qualified Gas Saftey Engineer or Electrician straight away.

What is Legal Cover?

Legal cover offers the potential to help with legal disputes that may arise.

The cost of taking legal action can be prohibitive. If you’d struggle financially to claim compensation following an accident, unfair dismissal from work or a dispute with a tradesman, a legal cover could help you cover the cost of making a claim. In this way, Legal Cover is a fantastic offer for a small additional cost on top of standard premium. Some insurance providers even offer legal cover free of charge. Legal Cover is also known as Legal Expenses Insurance.

There is always a limit to how much can be claimed under the policy – usually £50,000 or £100,000.  The cover is designed to offer protection if you’re faced with a potentially expensive dispute.

Other features available

Features between policies vary, so always check the policy details carefully. By using Harvey Bowes to give you advice on Buildings and Contents insurance, we’ll go through the options with you and make sure you understand the choices so that you can make an informed decision on what you feel you need. Some other features available are as follows:

  • Damage caused by emergency services to your home or garden
  • Loss or damage to solar panels or wind turbines
  • Identity fraud assistance
  • Loss of keys
  • Alternative accommodation / rent in the event of a significant claim
  • Loss or damage to trees, shrubs, lawns and plants
  • Trace and access to find the source of water and oil leaks, plus cover for the loss of water and oil

Get a quote for Buildings and Contents Insurance:


Find out why you should be careful using comparison sites by clicking here

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