Capital Fortune is a national and
award winning mortgage, buy-to-let
and insurance broker.

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Feefo logoIndependant User Feedback98%
Customer - Purchase
The service Capital and specifically Peter Bartlett were able to provide was really great. As someone who's self-employed they were able to field a ...Read More

Buildings and Contents Insurance

When you buy a home, there are two types of cover it’s important to get sorted straight away.

Buildings cover is usually an annual policy that covers the cost of rebuilding or repairing the property if its structure is damaged.

Contents cover is also usually an annual policy that covers the cost of replacing or repairing contents inside (and in some circumstances) outside of the home if they are lost, stolen or damaged.

If you have a mortgage, it’s a legal requirement to have buildings insurance because the lender must have reassurance that if something happens to the property, they can recover their money.

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What Our Customers Say

Sean Perkins - Purchase
Fantastic, first rate service. Peter Bartlett and Anna Kirk were a fantastic help and made everything simple. Can't recommend them enough. ...Read More
21 days ago

Customer - Purchase
Brilliant service from Peter Bartlett and Anna Kirk, both highly professional, knowledgeable and responsive. Would recommend them and capital fortune to anyone. ...Read More
24 days ago

Ross - Remortgage
As an Expat, remortgaging my UK property was proving to be a complicated exercise. Thankfully after contacting Capital Fortune, their knowledge and expertise was invaluable and ultimately the remortgage was completed successfully. A big thank you to James Drury, Stephen ...Read More
29 days ago

Customer - Purchase
As a British national domiciled abroad I required professional assistance with obtaining a mortgage for a property purchase in the U.K. The team at Capital Fortune were exemplary in their work to help me obtain a mortgage offer and ...Read More
1 months, 5 days ago

Find out more

There are lots of different providers and policies vary in price and what they’ll cover. Generally, the rule of thumb when it comes to working out what is covered by your buildings cover it’s anything that would stay put if you turned the whole house upside down.

Plumbing, windows, walls, ceilings, electrics etc are all typically covered; your fridge freezer, table and chairs on the other hand – not covered.

Buildings insurance comes into its own when your property suffers damage, usually through no fault of your own. The most typical claims on buildings insurance include things such as burst pipes causing flood damage to your property and neighbours’ properties, fire, subsidence causing structural damage, storm damage and flooding.

These events may not occur every day but when they do, the damage caused is usually expensive to fix, running into tens of thousands of pounds in the worse scenarios.

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Contents Insurance

Contents cover is not compulsory but in the event you suffer a burglary, house fire, water damage or you have something stolen from you while out of the house it’s contents insurance you’ll rely on.

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In the same way buildings insurance covers everything that would stay put if you turned the house upside down, contents covers everything that would move. This is particularly important if you suffer a fire as if you had no contents insurance and only buildings cover, the latter would rebuild the property but you would have no possessions to put inside it and no payout for those that you lost.

Many people choose to take contents cover for slightly less than the full value of their possessions but this means that should you need to claim for everything, when you reached your policy limit, that’s all you’ll be entitled to.

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Most things are covered on a generic contents policy, although if you have individual items worth £5,000 or more – a watch or painting for example – then these may have to be named on the policy specifically.

For help finding the right buildings and contents insurance for you, speak to one of our advisers now.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPR*ERC*Fee
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG0.99%Discount2 years5%4.36%2 years £0
Progressive BS 2 Year Discount No Fee Purchase Family Assist BPG0.99%Discount2 years5%4.36%2 years £0
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%Discount2 years5%4.36%2 years £0
Progressive BS 2 Year Variable No Fee Purchase Foreign Currency Loan BPG1.09%Discount2 years5%4.38%2 years £0
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%Discount2 years5.64%5%2 years £999
Scottish BS 2 Year Discount £995 Fee £250 Cashback for Remortgage England Postcodes BSO1.49%Discount2 years5.19%4.7%2 years £995
Scottish BS 2 Year Discount £995 Fee BSO1.49%Discount2 years5.19%4.7%2 years £995
Scottish BS 2 Year Discount £995 Fee Professional £250 Cashback for Remortgage England Postcodes BSO1.49%Discount2 years5.19%4.7%2 years £995
Scottish BS 2 Year Discount £995 Fee Professional BSO1.49%Discount2 years5.19%4.7%2 years £995
Newcastle BS Direct / Semi Exclusive 2 Year Discount £999 Fee NBS1.5%DiscountAug-20243.96%3.7% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG0.99%
then 5
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase Family Assist BPG0.99%
then 5
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG0.99%
then 5
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Marsden BS First Homes Scheme S106 Fixed until End Date No Fee BMS2.25%
then 5.99
(variable)
FixedRead More
Marsden BS Brightstar First Homes Scheme S106 Fixed until End Date No Fee BMS2.25%
then 5.99
(variable)
FixedRead More
Progressive BS 2 Year Fixed No Fee Purchase Family Assist BPG2.34%
then 5
(variable)
FixedRead More
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