Buildings & Contents Cover
Home insurance tailored to your lender requirements and household possessions.
Buildings and contents insurance protects the structure of your home and the belongings inside it. Most lenders require buildings cover as a condition of the loan, and the right policy from the outset prevents costly gaps if you ever need to claim.
Buildings Insurance
Buildings cover protects the structure — walls, roof, floors and permanent fixtures — against fire, flood, storm, subsidence and theft. Your lender usually insists on it from exchange. We help you set the correct rebuild value, not the market value.
Contents Insurance
Contents cover protects what you would take with you if you moved — furniture, appliances, clothing and belongings. We discuss new-for-old versus indemnity, accidental damage and away-from-home cover for valuables.
Combined Policies & Lender Rules
For leasehold flats, buildings cover is often arranged by the freeholder, so you may only need contents. For freehold houses, a combined policy is usually simplest and cheapest. We confirm what your lender requires before completion.
Our Approach to Your Cover
- Correct Rebuild Value. We help you insure for what it would cost to rebuild, not the sale price.
- Lender-Compliant. We confirm the policy meets your specific lender's requirements before completion.
- Fits Your Home. From accidental damage to away-from-home valuables, we tailor the policy to how you live.
Frequently Asked Questions
Insure Your Home Properly
Arrange buildings and contents cover that meets your lender's requirements and genuinely protects your home.
Direct Office Tel:
01625 430444Why Speak to Us First
As independent advisers we compare the whole of market rather than a single insurer, so the cover we recommend is chosen for your circumstances — not a sales target.