Buildings and contents insurance.
Buildings insurance is the one policy your lender will insist on. We help you get it in place on time, and cover what is inside your home as well.
What is buildings and contents insurance?
Buildings insurance is the one policy that is compulsory if you are buying a house with a mortgage. Your solicitor will usually ask to see a copy of the policy around the time you exchange contracts.
It covers the cost of rebuilding or repairing your property after an insured event. That means the main structure of your home and its permanent fixtures, for events such as fire, storm and flood.
Contents insurance covers your personal belongings for things like theft, fire and accidental damage, depending on the policy.
Who is it for?
Everyone buying a house with a mortgage needs buildings insurance. Contents cover is optional, but it makes sense to think about both at the same time.
The two can be taken out separately or as one combined policy.
How we help.
We carry out a full review of your circumstances and what you need the policy to do. Then we give you a recommendation from a range of quality insurers.
Because we are already handling your mortgage, we can make sure the cover is in place when your solicitor and lender need it.
What happens next.
Book a free call
Tell us about the property and what you need to protect.
A full review
We look at the property, your belongings and the level of cover you want.
Our recommendation
We search a range of insurers and explain the cover we recommend.
Cover in place
We make sure the policy starts when you need it to, with the documents your solicitor asks for.
Policies have terms, conditions, limits and exclusions. We will explain what is and is not covered before you go ahead.
Common questions about home insurance.
Is buildings insurance compulsory?
If you have a mortgage, your lender will require it as a condition of the loan. If you own the property outright it is not a legal requirement, but going without would leave you to pay for any rebuild yourself.
When does cover need to start?
In England and Wales you normally need buildings insurance from the day you exchange contracts, because that is when you become responsible for the property. Your solicitor will confirm the date.
I am buying a flat. Do I still need buildings insurance?
With a leasehold flat, the freeholder or management company usually arranges buildings insurance and you pay towards it through your service charge. Your solicitor will check this. You would still want your own contents cover.
Do I need contents insurance?
It is not compulsory. Think about what it would cost to replace everything you own after a fire or a burglary, and whether you could afford to do that yourself.
Have a no obligation chat with us.
So that we can identify your options and the best next steps, book a free call. We will learn about you and your circumstances and put together a plan.