Book a chat
Menu

Buildings & Contents Insurance

Protecting your home means more than protecting the mortgage.

Your home is likely to be one of your biggest financial commitments. Buildings and contents insurance can help protect the property itself and the belongings you keep inside it.

I'll help you consider the cover you need and understand the options available.

Buildings insurance

Buildings insurance generally protects the structure of your home against insured events, subject to the policy terms.

Mortgage lenders will normally require suitable buildings insurance to be in place as a condition of lending.

Contents insurance

Contents cover is a separate choice from any buildings cover your mortgage lender requires.

Contents insurance can help protect your possessions against events covered by the policy, such as theft or certain types of damage.

The right level of cover depends on what you own, the policy limits and any additional protection you require.

The details worth checking

REBUILD COST

The amount needed to rebuild the property, which may differ from its market value.

CONTENTS VALUE

An appropriate estimate of the belongings you want to insure.

EXCESSES

What you would need to contribute towards a claim.

POLICY EXCLUSIONS

Events, property types or circumstances that may not be covered.

ADDITIONAL REQUIREMENTS

High-value possessions, accidental damage, home working or other relevant circumstances.

Frequently asked questions

Do I need buildings insurance for a mortgage?

Mortgage lenders generally require appropriate buildings insurance, although arrangements can differ for leasehold properties and other ownership structures.

Is contents insurance compulsory?

Contents insurance is generally optional, but it can provide valuable financial protection for your belongings.

Is the rebuild cost the same as my property's value?

Not necessarily. Rebuild costs relate to reconstructing the property and can differ significantly from its market value.

Can I insure a property I let to tenants?

Landlord insurance may be more appropriate for a rental property. The policy needs to reflect how the property is used.

Let's make sure your home is properly considered.

Talk to Joe

Only describe yourself as arranging or advising on general insurance products that fall within your current permissions and service arrangements.