Buildings Insurance covers the structure of the property and any permanent fixtures and fittings, such as kitchen units and bathroom suites, as well as garages and outbuildings, against insured perils such as fire, lightening, explosion, earthquake, malicious damage, storm or flood, theft, subsidence, and breakage of glass or sanitary ware. £10,000 contents insurance and £2 million legal liability cover are included free of charge, with the option to increase the limits for a small fee.

Contents only cover can also be provided for flats. If your property is a house, then buildings insurance must be taken in order to provide a quotation for contents cover.
Loss of rent cover (up to 20% of the sum insured) should the property become uninhabitable following an insured peril is also included – This is detailed under contents but I think it is better under the buildings section as it is easier to picture an incurred peril under the buildings which results in the property being un-inhabitable i.e. Fire.

This covers household goods, personal property, valuables and pedal cycles in your home and while temporarily removed, plus any landlord's business contents that you are specifically responsible for under your tenancy agreement against insured perils such as fire, lightening, explosion, earthquake, malicious damage, storm or flood, theft, subsidence and breakage of glass. Cover can be arranged for a set premium (subject to a full quotation), and accidental damage and/or personal possessions cover can be added for an additional premium.

At Paragon we are very aware of the pressures facing UK property professionals. Many of the major professional bodies, including those representing Chartered Surveyors, make it compulsory for members to purchase Professional Indemnity Insurance and therefore ensuring you have the right Insurance cover to meet these requirements at a competitive premium can be a headache.

In partnership with our Professional Indemnity Specialists, we have developed an insurance package that not only offers you Professional Indemnity Insurance at competitive premiums but the opportunity to also combine this with your other insurances and increase the saving made.

Paragon Advance can obtain competitive quotations via our connection with our insurance broker.

We can offer a range of insurance products that protect all types of properties so whether you have a single property or a large portfolio simply contact Paragon Advance on 0844 3759604 where we will capture your needs and requirements, and from here discuss these with our insurance broker with the aim of obtaining a quotation at the best premium possible.