When buying a home, it’s essential to protect both the property itself and the things inside it. Buildings insurance and contents insurance work together to give you peace of mind, covering unexpected damage, loss, or accidents. While they are often grouped together, they cover very different aspects of your home.
Buildings insurance protects the structure of your home. Most lenders will require proof of cover before exchanging contracts, though you can choose your own insurer. It covers the cost of repairing or rebuilding the property, including walls, floors, roofs, and permanent fixtures.
Typical protection includes:
Optional extras, like accidental damage cover, protect your home from unexpected mishaps, such as knocking over a built-in fixture.
Contents insurance protects your personal belongings inside your home. This includes electronics, furniture, clothing, jewellery, and more. Most policies use a ‘new for old’ model, replacing damaged items with new equivalents.
Typical protection includes:
Subsidence
Optional extras may include accidental damage (e.g., spilling paint on a carpet) and cover for belongings outside your home, such as in your car.
At Property Clinic Solutions, we can help you choose the right buildings and contents insurance to suit your home, possessions, and lifestyle.
See how we’ve helped clients achieve their property, finance, and home goals with expert guidance and personalised support.
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Address : 1 Mychell House, Pincott Road, London, SW19 2NN
Email : info@propertyclinicsolutions.com
Phone : 0333 404 0589
Property Clinic Solutions Limited is authorised and regulated by the Financial Conduct Authority (FCA). Our Financial Services Register number is 1040229. You can check this on the FCA’s website: www.fca.org.ukProperty Clinic Solutions Limited is a company registered in England and Wales, registration number 15630130, with its registered office at 1 Mychell House, Pincott Road, London, SW19 2NN.
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