Expert advice & guidance to help find the perfect mortgage for you.

Buildings & Contents Insurance

Home insurance, a type of general insurance usually consists of two policies: buildings & contents. Whichever type of insurance you require, we can help you find the perfect, bespoke policy from our trusted panel of insurers including the likes of Legal & General & Paymentshield etc.

In addition to providing buildings & contents insurance for residential purposes, we can also provide the same for landlords. A standard residential home insurance policy is not suitable to provide cover for a property that has been purchased to rent out.

Buildings

As you may or may not know, when purchasing a new home, it is essential for you to have effective buildings insurance in place by the time you come to exchange contracts. Lenders will usually require, as a condition of the mortgage, that adequate buildings insurance is in place. Without a policy, this process may be delayed and could prevent you from moving in to your dream house. Since it can have such a big effect, it pays to know exactly what buildings insurance is.

It covers the structures, fixtures & fittings of your house. In other words, anything that cannot be taken with you when moving home including those such as:

 

  • Baths
  • Toilets
  • Fitted kitchens
  • Bedroom cupboards
  • Interior decorations
  • Garages
  • Greenhouses
  • Garden sheds

Contents

Whilst the placement of contents insurance is not mandatory, it is highly recommended. According to an article by Confused.com (2011) if your neighbour causes damage to your property, they may not always be responsible for fixing it? You may be liable to claim on your own insurance policy as opposed to theirs paying out which is why it is important to take out contents insurance also. Unlike buildings, contents is designed to protect your belongings, or in other words items that can be taken with you when moving home. Typical items include:

 

  • Televisions
  • Computers and other home electronics
  • Furniture
  • Carpets
  • Curtains
  • Kitchen Equipment
  • Clothes

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