Protection & insurance
Home insurance: buildings and contents cover
Buildings and contents cover, arranged alongside your mortgage.
- No obligation
- Takes 2 minutes
- Speak to a real adviser
- FCA regulated
- Whole-of-market
- 90+ lenders
- Personal adviser support
The short answer
Home insurance, explained in plain English.
Written by Aditi Sinha, mortgage and protection adviser
Updated
Buildings insurance covers the structure of your home and is usually a condition of your mortgage. Contents insurance covers your belongings. We can arrange either or both, and explain what’s included, what’s excluded and any excess before you choose.
Who this is for: Buyers who need cover in place for exchange, and homeowners reviewing a renewal.
Your options
Your adviser compares these with you and explains the trade-offs before you decide.
Buildings
Walls, roof, fixtures and fittings — usually required by your lender.
Contents
Furniture, electronics and personal belongings.
Combined
Buildings and contents in one policy.
How it works
From first call to completion.
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01
Tell us about your home
Property type, rebuild value and contents.
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02
Compare cover
We explain inclusions, exclusions and excesses.
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03
Start the policy
Cover is set up from the date you need it.
Before you start
Costs and risks to know about.
Costs to budget for
- Annual or monthly premium
- Excess on any claim
- We are paid commission by the insurer — explained before you proceed
Risks
Check the policy wording for exclusions, limits and excesses. Under-insuring can reduce any claim payment.
We explain the risks of any recommendation in writing before you proceed.
01When do I need buildings insurance?
Usually from exchange of contracts, when you become responsible for the property.
02What is a rebuild value?
The cost to rebuild your home from scratch — not the same as its market value.
03Is accidental damage included?
Not always. It’s often an optional extra.
Mortgage enquiry
Talk to an adviser about home insurance.
Takes about two minutes. An adviser will be in touch to talk through your options.
- 1What you need
- 2Property details
- 3Your details
- ✓Adviser follow-up
Why people enquire with us
- A named adviser and case handler look after your case
- We compare lenders across the market, not just one bank
- FCA regulated — firm reference 752191
- Phone, WhatsApp, video or at our Uxbridge office
Your details are kept secure and only used to handle your enquiry.