Building & Contents Insurance

What is Buildings Insurance?

This covers the building itself against things like fire or flood. It will also cover permanent or fixed fixtures and fittings in your home and garden, and any outbuildings that form part of your home.

If you own your home, buildings insurance is absolutely essential. If you have a mortgage, your lender will almost certainly demand you have a policy in place as a condition of your loan.

What is Contents Insurance?

Contents insurance protects your household good and personal possessions, such as electrical goods, jewellery, clothes and furniture.

You can add various options to your contents insurance that will provide additional cover. Two common enhancements are accidental damage cover and cover for possessions outside of the home. Some insurers include these additional options as standard.

If you are renting a property, you probably won’t need buildings insurance (as this will be the responsibility of the property owner), but you will need contents insurance.

As well as offering standalone contents insurance, most insurers offer ‘combined’ polices that also include buildings cover. This is usually the most convenient and cost- effective way to buy your home insurance if you need both types of cover.