Buildings and contents insurance

5* rated Home Insurance cover

What is buildings and contents insurance?

Buildings and contents insurance is a type of insurance policy that covers the cost of repairing or rebuilding your home and replacing your possessions in the event of damage or loss.

Buildings insurance covers the physical structure of your home, including the walls, roof, floors, and permanent fixtures like fitted kitchens and bathrooms.

It also covers any outbuildings or structures on your property, such as garages or sheds. In the event of damage or loss caused by perils like fire, storm, or flood, your buildings insurance policy would provide funds to repair or rebuild your home and any other structures covered under the policy.

Contents insurance, on the other hand, covers the personal possessions inside your home, including furniture, clothing, electronics, and other valuable items. In the event of damage or loss caused by perils like theft, fire, or flood, your contents insurance policy would provide funds to replace or repair your belongings.

Some insurance providers offer combined buildings and contents insurance policies, which cover both the physical structure of your home and your personal possessions. This type of policy can be a cost-effective way to ensure comprehensive protection for your home and belongings.

Why should I get buildings and contents insurance?

There are several reasons why you may want to consider getting buildings and contents insurance:

Comprehensive coverage

Financial protection

Required by mortgage lenders

Peace of mind

Customisable coverage

Comprehensive coverage: Buildings and contents insurance provides comprehensive coverage for your home and personal possessions, including protection against perils such as fire, theft, flood, and accidental damage.
Financial protection: In the event of damage or loss, buildings and contents insurance can provide financial support to repair or rebuild your home and replace your personal belongings.
Required by mortgage lenders: If you have a mortgage on your home, your lender may require you to have buildings insurance as a condition of the loan.
Peace of mind: Having buildings and contents insurance can provide peace of mind, knowing that your home and personal possessions are protected against a range of perils.
Customisable coverage: Buildings and contents insurance policies can be customized to meet your specific needs, such as insuring high-value items like jewellery or electronics.

It’s important to review your insurance needs and options carefully to determine if buildings and contents insurance is right for you. You can speak to one of our specialists who can advise the best policy for you.

Buildings and contents insurance works

Policy benefits includes

What Contents Insurance Covers

This covers loss or damage to contents in your home, including household goods, furniture, personal documents, valuables, personal belongings, money, and credit cards.

Cover is provided as standard for:

loss or damage to your contents caused by:
- fire, storm, and flooding; and
- subsidence, heave, and landslip;
theft of your contents from within your home or outbuildings and garages;
accidental damage to TV, satellite, and audio equipment;
accidental breakage of mirrors, ceramic hobs in freestanding ovens, and glass in furniture;
alternative temporary accommodation if your home becomes uninhabitable as a result of damage caused to your contents by an insured event;
damage to food in your fridge or freezer caused by a rise or fall in temperature, or contamination by the chemicals in the appliance; and
your legal liability to pay damages and expenses for bodily injury caused to any person, or damage caused to physical property.

For details of what is not covered, please refer to the Policy Wording.

What Buildings Insurance Covers

This covers damage to the structure of your home, your outbuildings, garages, fixtures, and fittings as well as patios, drives, garden walls, fences, hedges, and gates.