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and insurance broker.

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Feefo logoIndependant User Feedback98%
Customer - Purchase
Have dealt with a complicated mortgage very efficiently. The complications were my age (76) and wanted a commercial mortgage for a company that has not ...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

Ioannes Romer Riera - Purchase
Very professional and always available to give feedback and keep me updated on the different steps of the mortgage application. James & Stephen were great to work with. ...Read More
11 days ago

Customer - Remortgage
Capital fortune were incredibly helpful at moving my application along. They found me the best offer and ensure that things were done in a timely fashion helping make the process as easy as it can be. Stephen Marsh and James ...Read More
13 days ago

Customer - Buy to Let
This is the second time I have used Capital Fortune as and expat and again am very happy with the experience. A few issues were well thought through and resolved which ultimately resulted in an offer letter. Thank you to ...Read More
13 days ago

JJ - Purchase
Capital Fortune has been a God send to me, after my ex-husband refused to release me from our joint mortgage and no high street bank would provide me with the small mortgage I required to purchase a home of my ...Read More
1 months, 3 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
Lender Initial Rate Type For Then APR* ERC* Fee
NatWest Intermediary 2 Year Tracker £995 Fee £250 Cashback Purchase CNW1.24%TrackerOct-20214.24%3.9%31-Oct-2021 £995
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.28%FixedOct-20214.24%3.9%31-Oct-2021 £995
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%Discount2 years 5.79%5.2%2 years £999
Santander UK Plc 2 Year Fixed £999 Fee Porting CAN1.35%FixedNov-20214%3.5%02-Nov-2021 £999
Santander UK Plc 2 Year Fixed £999 Fee (Scottish) CAN1.35%FixedNov-20214%3.5%02-Nov-2021 £999
Santander UK Plc 2 Year Fixed £999 Fee CAN1.35%FixedNov-20214%3.5%02-Nov-2021 £999
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.38%FixedOct-20214.24%3.9%31-Oct-2021 £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £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
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%
then 5.79
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%
then 5
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
NatWest Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.28%
then 4.24
(variable)
FixedRead More
NatWest Direct 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.28%
then 4.24
(variable)
FixedRead More
HSBC Direct 2 Year Fixed £1499 Fee C/A Premier Standard HSB1.31%
then 4.19
(variable)
FixedRead More
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