Your home is more than just bricks and mortar—it’s where your memories are made, and your most valuable possessions are kept. Protecting both your property and its contents is essential. Buildings and contents cover ensures that, whether you’re dealing with damage to your home or the loss of your belongings, you have the financial support needed to recover quickly.
What is Buildings & Contents Cover?
Buildings and contents insurance provides comprehensive protection for your property and everything inside it. It typically covers:
Buildings Insurance: Protects the structure of your home, including permanent fixtures like kitchens and bathrooms, from risks such as fire, flooding, storm damage, and subsidence. This cover is often required by mortgage lenders as a condition of your loan.
Contents Insurance: Protects your belongings, such as furniture, electronics, appliances, clothing, and personal possessions, against risks like theft, accidental damage, and loss due to insured events
Cover Away from Home: Many contents insurance plans offer the option to cover items taken outside your home, such as mobile phones, laptops, and other valuables. This means your belongings are protected whether you’re at work, traveling, or simply out and about. Coverage can include accidental loss or damage and theft while you’re away from your property, providing added peace of mind.
You can choose to combine both types of cover under one policy or take them out separately, depending on your needs and circumstances.
Key Benefits of Buildings & Contents Cover
Comprehensive Protection: Coverage for both structural damage and the loss or damage of your possessions, ensuring that your home and everything in it are financially protected.
Mortgage Requirement Compliance: Buildings insurance is typically a condition of your mortgage, protecting your investment and keeping you in compliance with lender requirements.
Customizable Cover Options: Policies can be tailored to your needs with optional extras like accidental damage, legal expenses, and home emergency cover for more extensive protection.
New for Old Replacement: Most contents policies provide ‘new for old’ cover, replacing damaged or stolen items with new equivalents, ensuring you’re fully compensated.
Optional Extras
Accidental Damage Cover: Accidental damage cover can be added to both buildings and contents insurance. For buildings, this covers mishaps like putting a foot through the ceiling or accidentally hammering into a pipe. For contents, it covers incidents like spilling wine on your carpet, cracking a TV screen, or dropping a valuable item. This extended protection is especially valuable for homes with children or pets where accidents are more likely to happen.
Legal Expenses Cover: This optional add-on covers legal costs related to property disputes, issues with neighbors, or even employment-related disputes. Legal expenses cover helps you manage unforeseen legal challenges without worrying about the financial burden.
Home Emergency Cover: Home emergency cover provides rapid assistance for urgent issues like burst pipes, boiler breakdowns, or electrical failures. It covers emergency callouts, labor, and parts. However, there may be limits on how much can be claimed for each incident (e.g., up to £500 or £1,000 per claim). This add-on ensures you have access to immediate help without unexpected costs when you need it most.
How We Help
Tailored Recommendations: We start by assessing your property, belongings, and specific requirements. Based on this, we recommend a buildings and contents insurance policy that provides the right level of cover while fitting within your budget.
Wide Market Access: We compare policies from leading providers across the market, ensuring you receive comprehensive cover at a competitive price. Whether you need standard protection or additional extras like accidental damage or home emergency cover, we’ll find the best solution for you.
Ongoing Support and Policy Management: As your circumstances change, we’re here to help you review and update your policy, ensuring that your cover remains relevant and that you continue to receive the best value.
Why Choose Us?
Impartial, Expert Advice: We focus on what’s best for you, offering clear and impartial guidance to help you make informed decisions about your insurance.
Comprehensive Coverage Options: We provide access to a wide range of policies, ensuring that you can choose from flexible cover options tailored to your needs.
End-to-End Service: From helping you select the right policy to assisting with claims, we’re with you every step of the way, making sure the process is smooth and stress-free.
Important Information:
Disclaimers: Buildings and contents cover may have exclusions or limits, particularly around high-value items or certain types of damage. It’s important to review the policy terms carefully to understand what is and isn’t included.
Interested in protecting your home and belongings? Get in touch for a free, no-obligation consultation, and let’s explore the right buildings and contents cover options for you.
