Buildings & Contents Insurance

Now that you’ve bought your first home, or moved into your dream property, wouldn’t it be wise to insure it and its belongings?

There are three main types of home insurance: buildings insurance, contents insurance, and combined buildings and contents insurance.

Buildings insurance covers the structure of your home – for example, your walls, windows and roof, as well as permanent fixtures and fittings, such as baths, toilets and fitted kitchens – while contents insurance covers the possessions in your home. Combine d buildings and contents cover, meanwhile, covers both.

As well as covering you for theft, home insurance also protects you against damage caused by a number of unforeseen events, including flooding, fire and explosions.

You can use your home insurance to cover your portable items, such as your handbag, mobile phone or tablet, while you are outside of the home and overseas under a personal possessions extension (sometimes called an all-risks extension). However, there are restrictions on what’s covered, so check with the insurer to make sure you know what you are paying for.

Buildings and contents insurance is essentially ‘must have’ and most lenders will request you to hold a policy, which at minimum covers the structure.

If you wish to speak to one of our expert advisers about this, please email or give us a call on 01726 829871 and we’d be happy to help.