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You may be able to get home insurance for a completed self-build house. The insurer will consider its construction, how it is used and its rebuild cost. We may also ask for details such as the materials used, completion date and any structural warranty. If the house is still under construction, it may need specialist self-build insurance. Standard home insurance may not cover the building work, so tell us what stage the project has reached before arranging cover. For completed homes, you can read more about prefabricated home insurance and SIPs home insurance. Which page is relevant depends on how your house was built.

Determining the rebuild value (not resale) of your home is crucial for setting the right level of buildings insurance. Here are two reliable methods to assess this value: ABI’s Rebuild Calculator Guide Price: An accessible option is to use the Association of British Insurers (ABI) rebuild calculator. This online tool provides a guide price based on various factors, including the size and type of your property. Ease of Use The ABI’s rebuild calculator is user-friendly, allowing you to input essential details and receive an estimated rebuild value promptly. Limitations While this provides a useful starting point, it’s important to note that it offers a general estimation and may not account for specific features or materials in your home. Professional Surveyor Accurate Calculation For a more precise and tailored assessment, consider hiring a professional surveyor. Surveyors have the expertise to evaluate the specific characteristics of your property, including construction materials, unique features, and overall condition. Site Visit A surveyor typically conducts a site visit to thoroughly assess your home, taking into account factors that may not be covered by online calculators. Detailed Report Upon completion, the surveyor provides a detailed report outlining the rebuild value of your home. This report can be invaluable for obtaining accurate and comprehensive insurance coverage. Why Rebuild Value Matters Understanding the rebuild value is essential because it represents the cost of rebuilding your home from scratch in the event of a total loss, such as fire or structural damage. It ensures that your insurance coverage adequately reflects the cost of reconstruction, preventing underinsurance. Choosing the Right Method Deciding between the ABI’s rebuild calculator and a professional surveyor depends on your preferences, the complexity of your property, and the level of accuracy you seek. While the calculator offers convenience, a surveyor provides a more detailed and personalised assessment. Summary By using these methods to determine the rebuild value, you can make informed decisions about your buildings insurance coverage, ensuring that you have adequate protection in place. You can also read our rebuild cost guide for home insurance for more detail on why rebuild value matters, how it differs from market value, and when it may need to be reviewed.

High-risk or high-value items, as classified by Intelligent Insurance, encompass a range of precious possessions. These include: Jewellery: Adornments crafted with valuable gems and metals. Precious Stones: Gemstones of significant value and rarity. Clocks & Watches: Timepieces of notable worth and craftsmanship. Furs: Luxurious garments made from high-quality fur. Articles made from gold, silver, and other precious metals: Items fashioned from valuable metals. Photographic Equipment: Specialised gear for capturing moments. Binoculars & Telescopes: Optical instruments for observation. Musical Instruments: Instruments valued for their craftsmanship and quality. High End Hifi Equipment: Hifi separates, like speakers, turntables and amplifiers. Pictures and other works of art: Artistic creations with intrinsic value. Collections of stamps, coins, or medals: Assorted sets of stamps, coins, or medals with value and significance.. Computer Equipment: Apple Laptops, Gaming PC desktop computers & accessories These items are automatically covered up to £2,000 per item, provided you have the correct level of valuables cover on your policy. However, items exceeding £2,000 in value need to be explicitly named on your policy, regardless of whether they are kept within or outside your home. This precautionary measure ensures comprehensive coverage and prevents underinsurance.

When you opt for bicycle cover within your policy, Intelligent Insurance ensures that your pedal cycles are safeguarded both inside and outside your home. This comprehensive coverage extends to protection against damage and theft, provided your bicycle is properly secured with a lock. Flexible Protection on the Move Intelligent Insurance offers flexibility, allowing you to enjoy coverage for your pedal cycles wherever you go. This means you can pedal with peace of mind, knowing that your bicycles are protected not only against damage but also in the unfortunate event of theft when secured with a reliable lock. Key Considerations Coverage In and Outside the Home: The bicycle cover spans across different scenarios, offering protection in the familiar confines of your home and extending to various locations outside. Damage Protection Whether you encounter damage to your pedal cycles during transit or while stationary, the coverage ensures you’re financially protected. Theft Security Intelligent Insurance prioritises the security of your bicycles. When properly secured with a lock, the coverage includes protection against theft, providing added reassurance for your valuable possessions. Summary By including bicycle cover in your policy, you make a proactive choice to safeguard your cycling assets wherever your adventures take you. With Intelligent Insurance, enjoy the freedom to explore, knowing your pedal cycles are backed by comprehensive and reliable coverage.

Home Emergency Cover and home insurance are designed to do different jobs. Home Emergency Cover deals with the immediate cause of certain emergencies, while buildings or contents insurance may cover the resulting damage. What does Home Emergency Cover do? Home Emergency Cover provides assistance with specified emergencies that require urgent attention. If a claim is accepted, the claims service may appoint an authorised contractor to complete an emergency repair, normally as a temporary solution and within the applicable claim limit. What does home insurance do? Buildings or contents insurance may cover loss or damage resulting from an insured incident, subject to the relevant policy terms, exclusions and excess. It does not necessarily cover the emergency repair to the system or item that caused the damage. Example: a burst pipe Following an eligible burst pipe, Home Emergency Cover may arrange an authorised contractor to stop the leak and complete an emergency repair. A separate buildings or contents insurance claim may be needed for resulting damage to walls, flooring, furniture or other belongings. Each claim will be assessed separately under the relevant policy terms. Check your policy schedule and policy documents to confirm the cover that applies to you.