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Buildings insurance
Buildings insurance helps protect your home if something goes wrong, like a fire, storm, flood, or even a burst pipe. It covers the cost of fixing or rebuilding the parts of your home you can’t easily take with you: the walls, roof, windows, kitchen, and bathroom.
If the unexpected happens, your cover steps in to help so you won’t be left with an enormous repair bill.
Whether you're buying a new home or checking your current cover, we’ll ensure you get the protection you need at a fair price. There is no pressure, no jargon, just clear advice that puts you first.
Many home insurance policies include both buildings and contents cover in one — giving you complete protection for your home and everything in it.
5 things you should know...
Buildings insurance protects the structure of your home, the bricks, the roof, and everything built in. If you’re buying a home, or reviewing your cover, here are five key things to keep in mind:
Get a quoteIt covers the parts of your home you can’t take with you, like the walls, roof, windows, kitchen units, and bathroom fittings. If your home is damaged by fire, flood, storm, or something similar, your policy helps pay to repair or rebuild it.
Yes, most mortgage lenders will expect you to have buildings insurance in place from the day you exchange contracts. It protects their investment as well as yours!
If you own a flat, buildings insurance might be included in your service charge, but it’s always worth checking. If you rent, the landlord is usually responsible for it.
You need enough to rebuild your home from scratch, not its market value. We can help estimate that so you’re properly covered without paying more than you need to.
No, buildings insurance is for sudden, unexpected damage. It won’t cover general maintenance, like fixing a leaky tap or repainting walls.
Contents Insurance
Contents insurance protects the things inside your home, the stuff that makes it yours. That includes furniture, TVs, clothes, gadgets, and even carpets and kitchenware.
If your belongings are damaged, stolen, or destroyed by a fire, flood, or break-in, contents insurance helps cover the cost of repairing or replacing them.
We’ll help you find the right cover so you can relax, knowing your home and everything in it are properly looked after. It’s simple, affordable protection, with clear advice and no jargon.
5 things you should know...
Contents insurance is all about protecting the things that make your house a home. Whether you're moving in, renewing, or just making sure you’ve got the right cover, here are five simple things to know:
Get a quoteIt covers the items you’d take with you if you moved, such as your furniture, electronics, clothes, jewellery, and even kitchen gadgets.
No, it’s not just fires or floods. Many policies also cover smaller but everyday things like theft, accidental damage, or even a dropped laptop.
Not at all. While receipts or photos can help if you ever make a claim, it’s not a requirement to be covered.
Yes, your landlord’s insurance won’t cover your personal belongings. If you rent, contents insurance is often one of the most important protections to have.
We can help with that. It’s all about adding up what your things would cost to replace, and making sure your policy reflects that. We’ll guide you through it, step by step.
