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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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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 2 Year Discount No Fee Purchase BPG1.05%Discount2 years4.35%3.83%2 years £0
Leek United BS RETENTION 2 Year Discount No Fee LEE1.1%Discount2 years5.19%4.7%2 years £0
Skipton BS 2 Year Fixed £995 Fee SBS1.15%FixedAug-20224.64%3.8%31-Aug-2022 £995
Coventry BS 2 Year Fixed £999 Fee BCV1.18%FixedJun-20224.49%4.4%30-Jun-2022 £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.18%FixedJul-20223.59%3.9%31-Jul-2022 £999
Leeds BS 2 Year Fixed £999 Fee Legal Assisted BLH1.19%FixedJul-20225.29%4.4%31-Jul-2022 £999
Leek United BS 2 Year Fixed £1495 Fee £400 Cashback LEE1.19%FixedSep-20225.19%4.8%30-Sep-2022 £1495
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.21%FixedSep-20223.59%3.8%30-Sep-2022 £995
Coventry BS 2 Year Fixed £999 Fee BCV1.23%FixedJun-20224.49%4.4%30-Jun-2022 £999
Leeds BS 2 Year Fixed £1999 Fee Legal Assisted BLH1.24%FixedJul-20225.29%4.5%30-Jul-2022 £1999
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 2 Year Discount No Fee Purchase BPG1.05%
then 4.35
(variable)
DiscountRead More
Leek United BS RETENTION 2 Year Discount No Fee LEE1.1%
then 5.19
(variable)
DiscountRead More
Progressive BS 2 Year Variable No Fee Purchase Foreign Currency Loan BPG1.34%
then 4.35
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
HSBC Direct 2 Year Fixed £999 Fee Standard HSB1.14%
then 3.54
(variable)
FixedRead More
Skipton BS 2 Year Fixed £995 Fee SBS1.15%
then 4.64
(variable)
FixedRead More
Coventry BS 2 Year Fixed £999 Fee BCV1.18%
then 4.49
(variable)
FixedRead More
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