Buildings and Contents Insurance
Protect your greatest asset
Our homes are often our most valuable assets, so it pays to protect them. Buildings and contents insurance (home insurance) provides financial protection against the cost of damage from events such as fire, storms, flooding, theft, subsidence, and accidental damage. The price of reinstating your home following one of these events could be more than you could ever afford. Home insurance will protect you from this catastrophic scenario.
Buildings and contents insurance is a mainstream product widely available from several insurers. Consequently, there’s an overwhelming amount of choice and comparing one against another is a challenge. So, why not save yourself the time, stress and inconvenience and come to us? We’ll do all the hard work for you.
Finding buildings and contents insurance
As a whole-of-market broker, we can access multiple insurers and policies you won’t find on the comparison sites. This access allows us to secure the most competitive yet comprehensive policies. It can be easy to over-insure or under-insure with buildings and contents insurance. We’ll source a policy that’s right where you need it to be. We’ll manage the whole process, from sourcing your insurance to processing your application.
With our help, you’ll save time, stress, and inconvenience, and you’ll have peace of mind knowing that you’ve got the right level of coverage should you ever need it.
Buildings and Contents Insurance FAQs
What is buildings and contents insurance?
Buildings and contents insurance (home insurance) covers you in the event of damage to your property and contents. It covers the costs of repairing or replacing your property and possessions in case of damage, theft, or other insured events such as fire or flooding.
Buildings insurance covers the structure and permanent internal fixtures of your home. Contents insurance covers all the personal possessions inside your home, including furniture, electrical appliances, personal belongings, jewellery, and flooring. You can buy a combined policy or take out separate policies.
Do I need both buildings and contents insurance?
If you own your property with a mortgage, your lender will require you to have buildings insurance as a loan condition. In a leasehold property, the landlord is usually responsible for buildings insurance.
Do I need both buildings and contents insurance?
If you own your property with a mortgage, your lender will require you to have buildings insurance as a loan condition. In a leasehold property, the landlord is usually responsible for buildings insurance.
Contents insurance is optional but advisable to protect your belongings fully.
What does buildings insurance typically cover?
Buildings insurance usually covers:
- Structural damage from fire, storms, floods, and natural disasters.
- Vandalism and theft-related damage.
- Subsidence (if included in the policy).
- Damage to outbuildings such as garages and sheds.
- Alternative accommodation if your home becomes uninhabitable due to an insured event.
What does contents insurance typically cover?
Contents insurance generally covers:
- Theft, burglary, or vandalism.
- Fire, smoke, and water damage.
- Accidental damage (if included in the policy).
- Loss or damage to personal belongings inside and sometimes outside your home (e.g., while travelling).
- Replacement of locks if keys are lost or stolen.
