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What you need to know about Building and Contents Insurance

Our homes and property are subject to a number of risks, such as fire, flood, subsidence, accidental damage, vandalism, burglary and theft – and others.

The cost to you, if not properly insured, can be nothing short of disastrous, so that you are unable to afford to replace or repair your home and items affected. Yet arranging adequate insurance can be straightforward and need not be expensive compared to other outgoings.

It is usual to combine the Buildings and Contents insurances as this is normally cheaper overall

Generally the more risks covered, and fewer exclusions within the insurance, then the more expensive the insurance becomes. Getting value for money depends upon matching your needs to the insurances available.

A Lender may propose that you take out their own buildings insurance, but you are not obliged to do so – it may not be the best or most appropriate for you. You need to ensure that you are getting value for money, and to do that you need to look beyond the insurance products that your Lender might offer.

We are not tied to any one insurer and will search the market to recommend the insurance we think best suits your needs.

You can find out more about buildings and contents insurance here