Comprehensive Home Insurance.
Protecting your home and everything that matters most. Whether you're buying your first home, moving house or remortgaging, protecting your property is just as important as arranging the right mortgage.
Why Home Insurance Matters
Many people think of insurance only after something has gone wrong. Your home is likely to be one of your biggest financial investments, and unexpected events such as fire, flooding, storm damage, theft or accidental damage can happen at any time.
Having the right insurance in place can help reduce the financial impact of these unexpected events and give you valuable peace of mind. The right cover can help protect:
- Your home.
- Your personal belongings.
- Permanent fixtures and fittings.
- Your financial investment in the property.
- Your peace of mind.
Reviewing your insurance regularly is an important part of protecting your financial future.
Your Home Insurance Plan
Different insurance policies are designed to protect different aspects of your property and financial wellbeing. Together, they can provide more comprehensive protection.
Buildings Insurance
Helps cover the cost of repairing or rebuilding your property if it's damaged by an insured event.
Learn more →Contents Insurance
Helps protect your personal belongings against theft, fire, flood and more.
Learn more →Buildings & Contents Insurance
Combines both types of cover into one convenient policy, with a single renewal date.
Learn more →Buildings Insurance
Protecting the structure of your home.
Buildings Insurance helps protect the physical structure of your property against certain insured events such as fire, flooding, storm damage and escape of water, subject to the policy's terms, conditions and exclusions. It generally covers permanent parts of your property, including:
- Roof, walls and floors.
- Windows and external doors.
- Permanent fixtures and fittings.
- Kitchens and fitted bathrooms.
- Garages and permanent outbuildings, where included.
Contents Insurance
Protecting the things that make your house a home.
Contents Insurance helps protect your personal belongings inside your home against certain insured events, subject to the policy terms and conditions. It may cover items such as:
- Furniture.
- Clothing.
- Electrical items.
- Home entertainment equipment.
- Jewellery and valuables, subject to policy limits.
- Personal possessions.
Buildings & Contents Insurance
Comprehensive protection for your property and belongings.
A combined Buildings & Contents Insurance policy brings together both types of cover into one convenient policy. It can help protect:
- The structure of your home.
- Your personal belongings.
- Permanent fixtures and fittings.
- Household contents.
- Optional extras, depending on the insurer and policy selected.
Many homeowners choose combined cover for the convenience of managing both types of insurance under one policy.
Why Many Homeowners Need More Than One Type of Cover
Every insurance policy is designed to protect against different risks. Understanding the difference helps you choose the right combination of cover.
| Insurance Product | Protects the Building | Protects Belongings | Protects Rental Income | Suitable For |
|---|---|---|---|---|
| Buildings Insurance | Yes | No | No | Homeowners and landlords. |
| Contents Insurance | No | Yes | No | Homeowners and tenants. |
| Buildings & Contents Insurance | Yes | Yes | No | Homeowners wanting comprehensive home insurance. |
| Landlord Insurance | Yes | Yes, landlord-owned items only, where included | Loss of rent following an insured event may be included, depending on the policy. | Residential landlords. |
| Landlord Rent Guarantee Insurance | No | No | Yes | Landlords wanting protection against tenant rent arrears. |
Choosing the right combination of insurance depends on your property, your circumstances and the level of protection you want.
Choosing insurance isn't simply about comparing premiums. Different insurers offer different:
- Levels of cover.
- Policy limits.
- Optional benefits.
- Excesses.
- Exclusions.
- Claims support.
How We Can Help
As your Mortgage, Protection & General Insurance Adviser, we will:
- Take time to understand your property and insurance needs.
- Explain the different types of home insurance available.
- Compare policies from a range of leading UK insurers.
- Explain important policy features and exclusions.
- Help you understand the options available.
- Recommend suitable insurance based on your individual circumstances.
- Review your insurance whenever your needs change.
Our aim is to help you make informed decisions and arrange insurance that provides appropriate protection for your property and financial wellbeing.
Why Choose Us?
Whole of Market
We search a wide range of leading UK insurers rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Frequently Asked Questions
They protect different things. Buildings Insurance covers the structure of your property, while Contents Insurance covers your personal belongings. Many homeowners choose to have both.
In most cases yes, mortgage lenders usually require it as a condition of the mortgage offer.
It depends on your circumstances. Some homeowners prefer combined cover for convenience, while others choose separate policies. We'll help you compare the options.
Yes. During your insurance review, we'll discuss your property, your circumstances and your protection needs to help ensure you have appropriate cover in place.
Here to Support You
- Explaining your options clearly and without jargon.
- Searching a range of leading UK insurers.
- Recommending cover that is suitable for your individual needs and circumstances.
- Helping you understand the features and limitations of each policy.
- Comparing policy features, benefits and premiums, not just price.
- Reviewing your insurance as your needs change over time.