Protect Your Home and Everything Inside It.
Your home is likely your biggest asset—so it makes sense to protect it properly.
Whether you’re a homeowner or landlord, buildings and contents insurance can safeguard your property and belongings against unexpected damage, loss, or theft. From storms and leaks to break-ins and accidents, we’ll help you find the right level of cover to give you peace of mind—so you’re protected against life’s what-ifs.
Buildings & Contents Insurance FAQs
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Buildings insurance covers the structure of your home—walls, roof, windows, and permanent fixtures—against events like fire, flood, or storm damage. Contents insurance covers the items inside your home, such as furniture, electronics, and personal belongings, in case of theft, loss, or damage.
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If you own your home, it’s a good idea to have both. Buildings insurance may be required by your mortgage lender, while contents cover protects your belongings. If you rent, your landlord will usually handle buildings insurance, but contents cover is your responsibility.
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Buildings insurance should cover the rebuild cost of your property (not the market value), while contents insurance should reflect the total cost to replace all your belongings. We’ll help you work out accurate cover amounts to avoid being over- or under-insured.
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Most policies cover events like fire, flood, storm damage, theft, escape of water, vandalism, and subsidence (for buildings). Contents cover also includes accidental damage and loss away from home if you choose to include these options.
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Yes—and it’s often more convenient and cost-effective to do so. We’ll help you compare combined policies or standalone options to find the right protection for your home and lifestyle.
Ready to Talk?
Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.
