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Buildings & Contents Cover provides extensive protection for your property and possessions, ensuring you’re prepared for unexpected events. Our coverage includes unlimited rebuilding costs for your home, accommodating different budget needs. We offer flexible contents cover, evaluating the worth of your belongings, and provide accidental damage protection for underground systems, fixtures, and home entertainment equipment.

If you work from home, your business equipment is covered too. With one excess for combined claims and lock replacement service for lost keys, we prioritise your security and convenience. Rest assured, our insurance options are designed to safeguard your home and assets comprehensively.

What is covered with Buildings & Contents Cover?

  • Home insurance
  • Contents insurance
  • Home insurance for landlords
  • New builds insurance
  • Buildings insurance
  • Tenants insurance
  • Flat insurance
  • Flood insurance

A Team
Of Professionals.

A member of our team will assess your situation and create tailored services for you!

Need More
Information?

If there’s anything else you’d like to know, or need financial advice, please get in touch!

What does Contents Insurance cover?

Contents insurance safeguards you from the loss, damage, or theft of your personal belongings, including items such as your sofa, TV, and valuables. With our policy:

  • Guaranteed Repairs: We ensure your belongings are repaired or replaced as needed.
  • Liability Cover: You’re covered for up to £2 million for occupiers and public liability.
  • New for Old Replacements: We offer new replacements for your items, ensuring you’re not left out of pocket.
  • Alternative Accommodation: If your home is uninhabitable, we cover the cost of alternative accommodation.
  • Bicycle Coverage: Bicycles are covered up to £350 per bicycle, with a total limit of £1,500.
  • Customised Coverage: You can specify higher-risk items within your home for tailored protection.
  • Business Equipment: Your business equipment is included in the coverage.
  • Garden Contents: We protect your garden contents, including plants and outdoor items.
  • Digital Assets: Your digital assets are covered too, ensuring your online valuables are protected.

What does Buildings Insurance cover?

Buildings insurance shields you against damage and loss to your property, encompassing outbuildings, exterior and interior walls, roofs, flooring, and more. With our policy:

  • Guaranteed Repairs: We ensure necessary repairs are taken care of.
  • Property Owners Liability: You’re covered for up to £2 million for property owners’ liability.
  • Major Risks Coverage: Protection includes major risks like flooding, fire, and burst pipes.
  • Alternative Accommodation: If you need to temporarily relocate, we cover the cost of alternative accommodation.
  • Replacement Keys and Locks: We cover the costs of replacing keys and locks.

 

What Does Landlord Insurance Cover?

Landlord insurance covers structural damage through buildings insurance and the expenses related to repairs. Contents cover protects against damage to fixtures and fittings within the property during the tenancy. Additionally, liability protection is included, offering coverage in case a visitor sustains an injury while on the property. This comprehensive coverage ensures landlords are safeguarded from various potential risks.

Do You Need Landlord Insurance?

If you’re renting out your property, standard home insurance may not provide adequate coverage. While landlord insurance isn’t a legal requirement, it’s highly advisable due to the unique risks associated with rented properties. Home insurance often doesn’t cover these risks, leaving landlords vulnerable to financial losses in unexpected situations. Whether you’re renting out a small flat or a large house, having landlord insurance is essential. It provides the necessary protection for landlords, ensuring peace of mind and financial security during tenancies.