All you need to know about Buildings and Contents Insurance
01.
What is Buildings and Contents Insurance?
Buildings and Contents Insurance is the combination of two insurance types to provide an overall cover that protects the inside and the outside of your home in one. Combining these two insurance types into a joint policy saves you the hassle of having to find separate cover that doesn’t include everything you need. Buildings and Contents insurance will have you covered for all eventualities.
02.
Do I need Buildings and Contents Insurance?
While not legally required, Buildings and Contents Insurance is strongly recommended for any homeowner—and in most cases, it’s a condition of your mortgage. Ask yourself: if your home was broken into, damaged by a burst pipe, or hit by a severe storm, would you have the financial means to repair the damage and replace your belongings?
Even seemingly minor incidents can result in significant damage and unexpected expenses. Buildings and Contents Insurance offers peace of mind by covering the cost of repairs and replacements—both inside and outside your property. It protects against a wide range of risks, including fire, flooding, storms, and theft—ensuring your home and possessions are properly safeguarded.
03.
What Buildings and Content Insurance is right for me?
Choosing a single provider for both Buildings and Contents Insurance can streamline the claims process, helping to avoid delays and ensuring your life—and your family’s—returns to normal as quickly as possible.
To find the right policy for your needs, it’s essential to understand what’s typically included in Buildings and Contents Insurance and how each element protects your home and belongings.
Buildings Insurance Policies
The Buildings Insurance portion of a combined policy covers the cost of repairing or rebuilding your home if it’s damaged. While specific terms can vary by insurer, most policies will protect against:
Vandalism
Subsidence
Falling trees
Fire, smoke, and explosions
Vehicle collisions (cars or lorries)
Water damage from leaking pipes
Oil leaks from heating systems
Natural disasters such as storms and floods
If you want broader protection, you can also add optional cover for outbuildings and external features like garages, sheds, fences, and driveways—ensuring your entire property is fully protected.
Contents Insurance Policies
The Contents Insurance portion of this combined policy covers the cost of replacing items that aren’t physically fixed to your property—such as furniture and personal belongings. Standard coverage typically includes:
Clothing
Furniture
Jewellery
Electronics and appliances
These items are generally protected against risks like theft, fire, and flood.
For enhanced protection, you can choose to add options like Accidental Damage Cover and Personal Possessions Cover. These provide extra peace of mind for belongings you frequently take outside the home, such as:
Laptops
Mobile phones
Jewellery
Cameras