Home Insurance

Buildings & Contents, otherwise known as Home Insurance, is an insurance product that protects your property against various different risks such as fire, flood, theft and accidental damage.

Most mortgage lenders will stipulate Buildings Insurance is mandatory for the property meaning it must be insured at all times to prevent any risks affecting the property and its condition, this will need to be in place before exchange can take place. Contents is optional but advisable as it provides you with cover for your own personal belongings within the property itself.

You pay a monthly premium for Buildings & Contents Insurance which is dictated by your property, it’s value, the location, any past claims you may have made as well as the type of policy you have. The different types of cover are Buildings Insurance, Contents Insurance but most commonly people will take this out as a joint policy as Buildings & Contents Insurance.