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Buildings and Contents Insurance

Buildings and Contents Insurance

PROTECT YOUR HOME AND EVERYTHING INSIDE

Get Buildings and Contents Insurance
  • Rest easy knowing that unexpected events, like fires or theft, won't leave you facing huge repair or replacement costs.
  • From the walls that keep you safe to your favourite settee, get them covered.
  • In the aftermath of a disaster, your main priority can be getting back to normal, not worrying about financial setbacks.

COMPARE CHEAP BUILDINGS & CONTENTS INSURANCE FROM LEADING PROVIDERS

Find affordable, comprehensive protection for your home and belongings with our easy comparison of trusted insurers. Our partnered adviser will compare quotes to find the most suitable option for you.
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WHAT IS BUILDINGS INSURANCE?

Buildings insurance is like a shield for your home. If something bad happens, like a fire, flood, or storm damage, they've got the repair costs covered.

This means if your roof gets damaged or a wall collapses, you won't have to dig deep into your pockets to fix it. It's there to take off the stress and financial worry, making sure your home stays safe and sound for you and your family.

WHAT IS CONTENTS INSURANCE?

Contents insurance is like a safety blanket for your stuff. If your belongings get damaged from unexpected events or if they're stolen, this insurance steps in to help replace or repair them.

This can be anything from your TV, laptop, and jewellery to your clothes and furniture. It's there to ensure that if life throws a curveball, you won't be left counting the cost of replacing your things, giving you and your family one less thing to worry about.

DO I NEED BUILDINGS AND CONTENTS INSURANCE?

Buildings and contents insurance isn't a legal requirement, but it's a smart choice for peace of mind
  • 1

    Protect Your Investment

    Your home is likely one of the biggest investments you'll make. Buildings insurance ensures that if something unexpected happens to the structure of your home, like damage from a storm or a fallen tree, you won't be left footing the entire bill for repairs.

  • 2

    Guard Your Belongings

    Think about all the things you've collected over the years - from electronics to clothes, furniture, and personal keepsakes. Contents insurance helps replace or repair these items if they're stolen or damaged.

  • 3

    Mortgage Requirements

    While it's not legally mandated, most mortgage lenders require you to have buildings insurance to protect their investment. It's often a condition of your loan agreement.

  • 4

    Financial Backup Plan

    In the event of a major incident, the costs can escalate quickly. Having insurance means you're not suddenly facing a financial crisis on top of the stress of dealing with damage or loss.

WHAT DOES BUILDINGS INSURANCE COVER?

Buildings insurance safeguards the main structure and permanent fixtures like fitted kitchens and bathrooms in your home. You can also pick from a variety of optional extras to broaden your coverage:
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    STANDARD COVER

    FIRE

    Fire damage can be severe, often needing a total property replacement instead of simple repairs. Buildings insurance typically covers accidental fire damage.

    FLOOD

    Insurance usually covers damage from burst rivers, storms, and heavy rain. However, it might not cover groundwater flooding, so review your policy if this concerns you.

    ESCAPE OF WATER

    For damage due to burst or frozen pipes, insurance typically provides coverage for repairs and replacements, as these are common claims.

    THEFT/VANDALISM

    Insurance can cover urgent repairs and replacements for broken windows and doors, helping keep your home secure.

    STORMS

    Damages arising from storms, whether from wind, rain, hail, snow, or lightning, are generally covered under most insurance policies.

    SUBSIDENCE/HEAVE

    If you notice cracks or rising damp, which are signs of subsidence or heave, your insurance should cover the necessary structural repairs.

    COLLISIONS & FALLING DEBRIS

    Insurance often covers damage and debris removal costs resulting from objects like trees, satellite dishes, or vehicles striking your home.

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    EXTRAS

    GARDENS

    Garden insurance is an optional extra that covers valuable outdoor items, plants, and ornaments. With this add-on, your cherished garden elements have protection against various risks.

    ACCIDENTAL DAMAGE

    This optional coverage covers sudden, unintentional external damage, protecting your home and belongings. It provides extra security, preventing unexpected out-of-pocket expenses.

    DIFFERENT ACCOMODATION

    If your home is unsafe due to damage, this coverage helps with the cost of living elsewhere during repairs.

    OUTBUILDINGS

    While some policies cover outbuildings, others offer this as an add-on. This option helps protect structures like sheds and garages and their contents.

    PONDS & PATIOS

    You can get extra coverage for structural damage to ponds and patios, but this won't cover fish or other livestock.

    HOME EMERGENCY

    This option covers the expense of emergency tradesman call-outs for unexpected incidents, like a broken boiler or burst pipes.

    SWIMMING POOLS

    Pools aren't typically covered unless damaged with the home. Additional coverage can protect against structural pool damage.

WHAT DOES BUILDINGS INSURANCE NOT COVER?

Buildings insurance provides coverage for your home's structure and permanent fixtures, but there are exclusions to be aware of.
  • Damage from general wear and tear
  • Lack of maintenance-related damage
  • Poor workmanship or negligence-caused damage
  • Damage by birds, insects, or pests
  • Unapproved home improvement or renovation damage
  • Storm damage to fences, gates, or hedges
  • Damage to homes left empty for typically 30 consecutive days or more
To avoid surprises, always read your policy’s fine print to understand what isn’t covered and make sure to look at extra cover you might need.
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WHAT DETAILS DO YOU NEED TO GET A BUILDINGS INSURANCE QUOTE?

Buildings insurance safeguards the main structure and permanent fixtures like fitted kitchens and bathrooms in your home. You can also pick from a variety of optional extras to broaden your coverage:
1
About You
Provide your age, occupation, and information on whether you have children or pets.
2
About Your Home
Share details about your home including its age, location, construction materials, and whether it’s listed, has a timber frame, or features a flat or thatched roof.
3
Rebuild Cost
Estimate the expense of reconstructing your home to its current specifications if it were to be completely demolished. This cost helps determine the amount of coverage needed.
4
Past Claims
Disclose any claims made in the past five years for issues like burglary, vandalism, fire, subsidence, water, or storm damage. Not doing so may void your policy.
5
Security Measures
Mention any security devices installed, like smoke and burglar alarms, as these might help lower your premium.
6
Proximity to Water
If your home is located in a flood-prone area, be prepared to provide additional information to your insurer.

WHAT DOES CONTENTS INSURANCE COVER?

Contents insurance protects personal belongings within your home. Here’s a breakdown of what’s typically covered, with options to add more protection:
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    STANDARD COVER

    ELECTRICAL ITEMS

    Contents insurance often covers electrical items, like TVs and computers, against theft, loss, or damage, ensuring your gadgets are financially safeguarded.

    MONEY & FINANCIAL DOCUMENTS

    Cash and important financial documents stored in your home can be protected against theft or damage with contents insurance, providing financial security and peace of mind.

    DEVICES

    Your electronic devices, such as smartphones and tablets, are covered against theft, loss, or accidental damage, offering protection for your essential tech items.

    CLOTHING

    Clothing is protected against theft, loss, or damage due to covered events like fire or flood, helping you easily replace or repair your apparel.

    FURNITURE

    Furniture in your home is covered for loss or damage caused by insured events, providing funds for repair or replacement, maintaining your home’s comfort and style.

    KITCHEN APPLIANCES

    Kitchen appliances are covered for repair or replacement in case of damage or loss due to insured events like fire, theft, or flood, ensuring your kitchen remains functional.

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    EXTRAS

    PERSONAL POSSESSIONS

    Personal possessions cover protects items you regularly take outside your home, like jewelry or a laptop, against loss, theft, or damage, offering extra security for your valuables.

    ACCIDENTAL DAMAGE

    This add-on provides coverage for unintentional damage to your belongings, offering extra protection beyond standard policies, safeguarding your items from unexpected accidents.

    LEGAL EXPENSES

    Legal expenses cover can help with the costs associated with legal issues related to your home or personal belongings, providing necessary financial assistance during legal proceedings.

    VALUABLES

    Valuables cover offers additional protection for high-value items like art, jewelry, and collectibles, safeguarding them against loss, theft, or damage, ensuring your prized possessions are secure.

    AWAY-FROM-HOME

    Away-from-home cover protects your belongings against loss, theft, or damage even when they’re not in your home.

    HOME EMERGENCY

    Home emergency cover provides assistance for urgent home issues, like a broken boiler or burst pipes, ensuring quick and efficient repairs, and minimizing inconvenience and stress.

WHAT DOES CONTENTS INSURANCE NOT COVER?

How much Contents Insurance do I need?
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Contents insurance offers protection for your personal belongings, but it comes with certain exclusions you should know:
  • Damage caused by pets
  • General wear and tear
  • Accidental damage (unless added)
  • Intentional damage caused deliberately
  • Damage to belongings during self-move
  • Lost items (unless specified in policy)
  • Negligence leading to damage
To ensure full protection, review your policy's exclusions and think about getting extra cover where needed.

WHAT DETAILS DO YOU NEED TO GET A CONTENTS INSURANCE QUOTE?

Buildings insurance safeguards the main structure and permanent fixtures like fitted kitchens and bathrooms in your home. You can also pick from a variety of optional extras to broaden your coverage:
1
Contents Value
Calculate the total worth of all items in your home, considering belongings in your attic, garden, garage, shed, and freezer.
2
High-Value Items
Provide details on individual possessions valued at £1,000 or more that you wish to insure.
3
Additional Coverage
Specify if you desire accidental damage coverage and protection for items taken outside the home, like mobile phones, bicycles, and laptops.
4
Past Claims
Report any home insurance claims you've filed within the previous five years.
5
Property Information
Describe your house, its construction material, and the kinds of locks and alarms installed for security.
6
Personal Info
Supply your name, address, details about who lives with you, and the times you are typically at home.

Buildings insurance covers the structure of your home, like walls and roofs, while contents insurance covers your personal belongings inside, such as furniture and electronics. Get a quote for either or both with our buildings & contents insurance form

It's not legally required, but often required by mortgage lenders. Even if it's not mandated, it's highly recommended for protecting your property and possessions. Speak to an expert adviser and get a quote through our buildings & contents insurance form

Yes, you can purchase them separately or as a combined policy. To see which option is best for you, consult an expert adviser or get a quote with our buildings & contents insurance form

Factors include the property's location, size, construction type, and the value of your contents. To get a quote that matches your specific situation, please complete our buildings & contents insurance form

This depends on the policy. Some include accidental damage cover, while for others, it's an optional extra. Discuss your needs with an expert adviser through our buildings & contents insurance form

Calculate the replacement cost of all your belongings as new. This includes everything from furniture to personal items. Get connected with a professional adviser with our buildings & contents insurance form

Being underinsured can result in receiving less than the actual value of a claim. To avoid this, ensure your coverage accurately reflects the value of your property and possessions. For accurate coverage advice, please speak directly with an expert adviser

Many policies cover personal belongings outside the home, but there are usually limits and conditions. To understand your policy's specifics, contact an expert adviser via our buildings & contents insurance form

Adjustments can often be made to your policy to reflect changes in your circumstances. For guidance on modifying your coverage, please speak directly with a professional adviser

Buildings and contents insurance typically covers theft and vandalism, offering protection against loss or damage caused by break-ins or malicious acts. However, the extent of coverage and conditions may vary by policy. For specific details about policies, please contact an expert adviser through our buildings & contents insurance form
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HOW COVERME123 WORKS

At CoverMe123, we are dedicated to connecting you with our partnered expert adviser for your insurance needs. Our role is to bridge the gap between you and the experts, ensuring a smooth and efficient process. It's important to note that while we do not provide financial advice ourselves, we excel in guiding you to those who do. Here’s how our process works:

  1. Information Gathering: Fill out our online form with the details of the insurance you're seeking.
  2. Secure Handling of Your Data: We ensure the confidentiality of your information, using it solely to connect you with our expert adviser.
  3. Connecting You with the Adviser: Your information is passed on to our partnered adviser, who will then reach out to you for a detailed discussion.
  4. No Obligation Consultation: You are free to choose the policy that best suits your needs, without any obligation.

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