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award winning mortgage, buy-to-let
and insurance broker.

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Gavin Thompson - Buy to Let Remortgage
Fast to respond, took the time to explain things in detail. Did not rush me and was flexible in making time to talk given ...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

Margaret Benting - Buy to Let Remortgage
Mine has been a very difficult case - not because of Peter but due to my Solicitors - but Peter has come through with the goods - I have to thank him very much. Throughout the 12 months process Anna has ...Read More
1 months, 4 days ago

Colin Saw - Purchase
The service provided by Capital Fortune was way beyond exceptional and we would throughly recommend them. ...Read More
1 months, 4 days ago

Customer - Buy to Let Remortgage
I couldn’t recommend capital fortune enough, we always receive a professional and dedicated service that inspired confidence. You are assured of the best product on the market for you with an excellent customer service. ...Read More
1 months, 6 days ago

Stephen Hope - Purchase
From my first call with James Drury i felt confident that Capital Fortune completely understood my situation and that they had excellent knowledge of the lending landscape in the UK. Service from James and Stephen Marsh was excellent throughout and ...Read More
1 months, 21 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
Bath BS 2 Year Discount £999 Fee BBB1.99%Discount2 years5.99%5.5%2 years £999
Bath BS Complete FS 2 Year Discount £999 Fee BBB1.99%Discount2 years5.99%5.5%2 years £999
Bath BS Brightstar 2 Year Discount £999 Fee BBB1.99%Discount2 years5.99%5.5%2 years £999
Chorley BS Intermediary 2 Year Discount 0.75% Fee BCO2.05%Discount2 years5.99%5.5%2 years £750
Chorley BS Positive Lending Intermediary 2 Year Discount 0.75% Fee BCO2.05%Discount2 years5.99%5.5%2 years £750
Beverley BS Complete FS 2 Year Discount £995 Fee Purchase BBV2.07%Discount2 years5.24%4.9%2 years £995
Beverley BS 2 Year Discount £995 Fee Purchase BBV2.07%Discount2 years5.24%4.9%2 years £995
Hinckley & Rugby BS 2 Year Discount £800 Fee Joint Borrower Sole Proprietor Only £250 Cashback For Remortgages BHI2.2%Discount2 years6.44%5.3%2 years £999
Hinckley & Rugby BS 2 Year Discount £800 Fee £250 Cashback For Remortgages BHI2.2%Discount2 years6.44%5.3%2 years £999
Progressive BS Northern Ireland Co-Ownership 2 Year Discount No Fee Purchase BPG2.23%Discount2 years5.99%5.41%2 years £0
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
Bath BS 2 Year Discount £999 Fee BBB1.99%
then 5.99
(variable)
DiscountRead More
Bath BS Complete FS 2 Year Discount £999 Fee BBB1.99%
then 5.99
(variable)
DiscountRead More
Bath BS Brightstar 2 Year Discount £999 Fee BBB1.99%
then 5.99
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Barclays Bank 10 Year Fixed £999 Fee Purchase BWO3.65%
then 5.74
(variable)
FixedRead More
Lloyds Bank Direct 10 Year Fixed £995 Fee Purchase CTE3.7%
then 5.24
(variable)
FixedRead More
Lloyds Bank Direct 10 Year Fixed No Fee Purchase CTE3.75%
then 5.24
(variable)
FixedRead More
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