Building and contents

Secure the home you’ve worked hard for.

Understanding buildings and contents insurance

Buildings and contents insurance is designed to help protect your property and personal belongings against certain insured risks, subject to the terms, conditions, and exclusions of the policy.

Buildings insurance typically covers the structure of your property, including walls, roofs, and permanent fixtures. Contents insurance usually covers personal belongings inside the home, such as furniture, appliances, and personal items. The exact level of cover and what is included varies between insurers and policies.

Policies can be tailored to reflect your property, the value of your belongings, and your individual circumstances. It is important to ensure that sums insured are accurate and that you understand what events are covered and any exclusions that may apply.

We can explain how different buildings and contents policies work, outline the available options, and help you compare cover based on your needs and budget.

4 Tips to Prepare for Your Quote

Getting a protection quote is simple when you know what to expect.

1. Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

2. Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

3. Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

4. Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

12000+

Mortgage Products

100+

Mortgage lenders

100%

Tailored service

30+

Available insurers

STILL NOT SURE?

Frequently Asked Questions

1. What is Building and Contents Insurance and why do I need it?

Building and Contents Insurance protects both your property and the belongings inside it. It’s important because it helps you cover the cost of repairs or replacements if damage, loss, or unexpected events occur.

2. What does Building Insurance cover?

Building Insurance covers the structure of your home — including the walls, roof, floors, fitted kitchens, bathrooms, and permanent fixtures. It protects you against risks such as fire, storm damage, floods, and subsidence.

3. What does Contents Insurance cover?

Contents Insurance protects your belongings, such as furniture, electronics, clothing, and valuables. It covers damage or loss due to theft, fire, water leaks, and other insured events.

4. How is the premium for Building and Contents Insurance determined?

Premiums are based on factors such as your home’s location, rebuild cost, the value of your belongings, your claims history, and the type of cover you choose.

5. Can I bundle Building and Contents Insurance with other types of cover?

Yes. Many insurers allow you to combine policies, such as home, contents, and additional protection options. Bundling can often be more convenient — and sometimes more cost-effective.

Modern

Socials

Legal

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: [XXXXXXX].