Home & Contents Insurance, Sorted Alongside Everything Else
Buildings insurance is usually a condition of your mortgage, and contents insurance is one of those things that’s easy to leave until after you’ve moved in, then forget entirely. We’ll sort both while we’re already talking about your mortgage, rather than leaving it as one more thing on your list.
Buildings vs Contents, in Plain Terms
Buildings Insurance
Buildings insurance covers the structure itself, walls, roof, windows, fixed items like kitchens and bathrooms, against things like fire, flood, and storm damage. Most lenders require this as a condition of your mortgage.
Contents Insurance
Contents insurance covers what’s inside, furniture, appliances, personal belongings, against theft, damage, and similar risks. It’s not usually a mortgage requirement, but it’s worth having regardless.
What's Often Missed
Accidental damage cover isn’t always included as standard, and it’s the difference between a claim being accepted or not for things like a spilled drink on a laptop or a DIY mishap. It’s also worth checking cover during renovation work, standard policies don’t always cover a property mid-building work, which can leave a gap at exactly the wrong time.
Why Families Sort This With Us
We check it alongside your mortgage, not after
Since we’re already talking about your property and your finances, it’s a natural point to sort this too, rather than a separate task you have to remember.
We flag the gaps other people miss
Accidental damage, renovation cover, high-value items, these often need adding separately, and we’ll tell you if your circumstances need them.
We're around if your circumstances change
An extension, a change of use, new high-value items, these can all affect what you need covered. We’re still here for that conversation.
Home & Contents Insurance FAQs
Is buildings insurance compulsory for a mortgage?
Yes, in almost all cases, lenders require buildings insurance as a condition of the mortgage, since the property is their security for the loan.
What's the difference between buildings and contents insurance?
Buildings insurance covers the structure itself, contents insurance covers what’s inside it. Many people need both, but they’re separate covers, and one doesn’t include the other by default.
Does standard home insurance cover accidental damage?
Not always, it’s often an optional extra rather than included as standard. Worth checking specifically rather than assuming it’s covered.
Do I need different cover during renovation work?
Often, yes, standard policies can exclude cover for a property undergoing significant building work. Worth checking before work starts, not after something’s gone wrong.
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