Building and contents home insurance?

we had a fire that caused a honourable bit of damage in our kitchen. I recompense for a buildings and contents policy so I am covered, however, the insurance company are charging me two seperate excess fees. lb50 for building and lb50 for contents. I dont understand this when its the one policy I pay for and the building and contents are underneath the one policy.

is this right?

---

Answers:

---

Yes, they are separate policy's, it will be in the small print..

make sure you record every item that was damaged / destroyed however small.

---

---

Related Questions:
              

• Looking for sub aqua (boat) contents insurance.?
• Who is a well-mannered company to run beside re: Tenants Contents Insurance within Syndey?
• In a property fire where on earth the walls & floors are tattered, does this come buildings or contents insurance?
• As a hotelier am I responsible for contents insurance for my tennants, or should they cart this out themselves
• Contents insurance Australia?