Property Building Insurance

As soon as you sign a contact to buy a house or any other type of property, this risk of that property being damaged or destroyed passes to the purchaser – even before you become the legal owner. Common risks include fire, floods, storms, earthquake, explosions and vandalism.

Key action required is to take out property building insurance as soon as you sign a contract to purchase a property.

Also, the amount of building insurance should reflect the full value of the property, fixtures and fittings (excluding the land). If the insured amount is less than the value or the replacement cost, you can be out of pocket if these unforeseen events occur.

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