PROFESSIONAL PROPERTY PEOPLE

Protect your home and
everything in it.

Buildings and contents insurance protects your property and possessions against damage, theft, and unexpected events. Required by your mortgage lender from the moment you exchange. We find the right cover at the right price.
BUILDINGS AND CONTENTS

What buildings and contents insurance actually is

Buildings insurance covers the structure of your property, including walls, roof, floors, and permanent fixtures, against damage from events like fire, flood, subsidence, and storm. If you have a mortgage, your lender will require buildings insurance as a condition of the loan, in place from the date of exchange, not completion.
Contents insurance covers your personal possessions inside the property against theft, damage, and loss. It is not legally required but it protects everything you own, from furniture and electronics to clothing and jewellery. A combined policy is usually more cost-effective than two separate ones.
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Required by lenders
Buildings insurance is required by virtually all UK mortgage lenders from the date of exchange of contracts, not completion. We make sure you are covered.
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Contents protection
Contents insurance protects your possessions against theft, damage, and loss. We help you calculate the right replacement value so you are not underinsured.
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Combined policies
A combined buildings and contents policy is usually more cost-effective than two separate policies, with a single excess and a single renewal date.
How We Help

Everything We Do For You

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Buildings Assessment
We ensure your buildings cover reflects the full rebuild cost of your property not just the market value.
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Whole of Market Search
We compare policies from all major insurers to find the best cover at the most competitive price.
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Contents Valuation
We help you calculate the full replacement value of your possessions to avoid being underinsured.
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High Value Items
We ensure high value items such as jewellery, art, and electronics are properly covered within your policy.
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Application Support
We handle the application and ensure your cover is in place from day one of ownership.
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Annual Review
We review your cover annually to ensure it still reflects the value of your property and possessions.
Types of Cover

Cover Options We Advise On

Buildings Only
Cover for the structure of your property. Required by mortgage lenders. Covers rebuild costs in the event of fire, flood, subsidence, and storm.
Contents Only
Cover for your personal possessions inside the property. Protects against theft, accidental damage, and loss both inside and away from home.
Combined Buildings & Contents
A single policy covering both the structure and contents of your property. Usually more cost-effective than two separate policies, with one excess.
Landlord Insurance
Specialist insurance for rental properties covering buildings, loss of rent, and landlord liability. Essential for any buy-to-let property.
HOW IT WORKS

Four steps to the right home cover

Four simple steps to getting the right insurance in place.
1

Cover Assessment

We assess your buildings rebuild cost and contents value to determine the right level of cover.
2

Policy Comparison

We compare policies from every major UK insurer to find the right cover at the right price.
3

Application

We handle the application and ensure your cover starts from the right date (typically from exchange).
4

Cover and annual review

Your policy is in place. We review it every year and remind you when renewal is due.
common Questions

Building and Content Insurance FAQs

Straight answers to the questions we hear most often.
Do I need buildings insurance if I have a mortgage?
Yes. Buildings insurance is a requirement of virtually all UK mortgage lenders. You must have it in place from the date of exchange of contracts, not from completion. We arrange this alongside your mortgage so the cover is ready.
How is the buildings sum insured calculated?
The sum insured should reflect the full rebuild cost of your property, not the market value. These can be very different. We help you calculate the right figure to avoid being underinsured.
Is contents insurance compulsory?
No. Contents insurance is not legally required, but it protects everything you own inside your property. Without it, you would need to replace all your possessions at your own cost if they were damaged or stolen.
What is accidental damage cover?
Accidental damage cover protects against unintentional damage to your property or possessions, for example spilling wine on a carpet or putting a foot through the ceiling. It is usually an optional add-on.
Does contents insurance cover items outside the home?
Many policies include personal possessions cover for items taken outside the home such as laptops, phones, and jewellery. This is usually an optional add-on. We explain the limits and the excess before you commit.
Do I need separate insurance for a buy-to-let property?
A: Yes. Standard buildings insurance is not suitable for rental properties. You need specialist landlord insurance, which covers the specific risks associated with renting out a property, including loss of rent and landlord liability.
Protect Your Home Today

Ready to protect your home?

Book a free consultation. We will tell you the right level of cover, the right policy type, and what it should cost.
Book Your Free Consultation