Comprehensive protection for your home and everything in it. Get peace of mind knowing your property and possessions are covered.
Buildings and contents insurance provides financial protection for your property's structure and your personal belongings. Buildings insurance covers the physical structure of your home, including walls, roof, floors, and permanent fixtures. Contents insurance covers your possessions, from furniture and electronics to clothing and jewelry.
Protects the structure of your home against damage from fire, flood, storms, subsidence, and other risks. Covers permanent fixtures like bathrooms and kitchens.
Covers your personal belongings against theft, damage, and loss. Includes furniture, electronics, clothing, and valuables that you would take with you if you moved.
A comprehensive solution that covers both your property and possessions under one policy, often at a better value than separate policies.
Many homeowners underestimate the importance of adequate insurance coverage. Consider these facts:
Having the right buildings and contents insurance provides essential financial protection and peace of mind, ensuring you won't face significant costs if disaster strikes.
There are several types of buildings and contents insurance policies available, each designed to meet different needs and circumstances. Understanding the options is the first step in choosing the right coverage for your home.
Covers the structure of your home against damage from fire, flood, storms, and other risks. Includes permanent fixtures like bathrooms, kitchens, and built-in wardrobes.
Best for: Homeowners, landlords, those with a mortgage
Protects your personal belongings against theft, damage, and loss. Covers furniture, electronics, clothing, and other items that aren't permanently attached to your home.
Best for: Homeowners, tenants, students, anyone with personal possessions
A comprehensive policy that covers both your property's structure and your possessions. Often more cost-effective than purchasing separate policies and simplifies the claims process.
Best for: Homeowners looking for complete protection under one policy
Specialised coverage for homes worth above a certain threshold (typically £500,000+) or with high-value contents. Offers higher limits and additional protections.
Best for: Owners of luxury properties, collectors of art or valuables
Tailored for rental properties, covering the building, landlord's contents, and often including additional protections like loss of rental income and landlord liability.
Best for: Buy-to-let investors, property portfolio owners
Designed specifically for renters, covering personal possessions without the buildings element. May include tenant's liability to cover accidental damage to the landlord's property.
Best for: Renters, students, those in shared accommodation
Getting the right buildings and contents insurance is a straightforward process when you work with our experienced advisors. Here's how we help you secure the protection your home needs:
We'll help you assess your property's rebuild value and the total value of your contents to ensure you have adequate coverage levels.
We'll calculate appropriate coverage amounts for both buildings and contents, considering factors like location, property type, and high-value items.
We'll research the market to identify the most suitable policies and providers based on your specific needs, property type, and budget.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once approved, we'll ensure your policy is correctly established with all necessary endorsements and specified items properly listed.
We'll conduct annual reviews to ensure your coverage remains adequate as your property and possessions change over time.
Getting the right buildings and contents insurance is a straightforward process when you work with our experienced advisers. Here's how we help you secure the protection your home needs:
We'll help you assess your property's rebuild value and the total value of your contents to ensure you have adequate coverage levels.
Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.
We'll calculate appropriate coverage amounts for both buildings and contents, considering factors like location, property type, and high-value items.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
We'll research the market to identify the most suitable policies and providers based on your specific needs, property type, and budget.
With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.
We'll assist with the application process, including any property information or documentation required by the insurer during underwriting.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Once approved, we'll ensure your policy is correctly established with all necessary endorsements and specified items properly listed.
Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.
We'll conduct annual reviews to ensure your coverage remains adequate as your property and possessions change over time.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Don't leave your property vulnerable. Our expert advisers can help you find the right buildings and contents insurance to ensure your home and possessions are properly protected.
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