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

Call today to speak to an expert

020 77 100 400

REQUEST A CALLBACK
Image
As Featured
Awards from
Our customers have rated our service
Feefo logo 96%
Anonymous - Purchase
Found capital fortune online and they have done a very ...
Anonymous - Remortgage
We have used Capital Fortune as our mortgage brokers since 2012. ...

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.

Image

What Our Customers Say

Anonymous - Purchase
Great service, regular communication, made us feel secure with the application in their hands. ...Read More
Anonymous - Remortgage
With unusual circumstances, an excellent service to find and organise a mortgage to get our son on the property ladder. Not cheap, but worth it. ...Read More
Anonymous - Buy to Let Remortgage
Capital Fortune went the extra mile to find me the right lender.Peter Bartlett and his team worked hard to match my needs to the right lender. ...Read More
Anonymous - Buy to Let
Found us a mortgage when we didn't think it was going to be possible, given our rather unique circumstances. Always very helpful, and patient with all the paperwork. ...Read More

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.

Image

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.

Image

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.

Image

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
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%Discount2 years 5.24%4.4%2 years £2149
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%2 years £1895
Accord Intermediary 2 Year Discount £1495 Fee ACC1.29%DiscountNov-20204.99%4.2% £1495
Leeds BS 2 Year Tracker £999 Fee BLH1.32%TrackerOct-20205.69%4.8%31-Oct-2020 £999
Leek United BS 2 Year Discount No Fee LEE1.34%Discount2 years 5.44%5% £0
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedNov-20205.69%4.9%30-Nov-2020 £1999
Barclays Bank 2 Year Tracker £1999 Fee Purchase Wealth BWO1.44%Tracker2 years 4.24%3.8% £1999
Nationwide BS RETENTION 2 Year Tracker £999 Fee Existing Borrowers Cashback BNW1.44%Tracker2 years 4.24%3.9% £999
Nationwide BS 2 Year Tracker £999 Fee BNW1.44%Tracker2 years 4.24%3.7% £999
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback BNW1.44%Tracker2 years 4.24%3.9% £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
Monmouthshire BS 2 Year Discount £1999 Fee Purchase BMO0.99%
then 5.24
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £1495 Fee YBS1.17%
then 4.99
(variable)
DiscountRead More
Beverley BS 2 Year Discount £1895 Fee BBV1.28%
then 4.75
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Yorkshire Building Society Direct 2 Year Fixed £1495 Fee YBS1.38%
then 4.99
(variable)
FixedRead More
HSBC Direct 2 Year Fixed £1499 Fee C/A Premier Standard HSB1.39%
then 4.19
(variable)
FixedRead More
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%
then 5.69
(variable)
FixedRead More
Image

Get Guaranteed Lowest Rate Mortgages

Award-winning
Mortgage Advisers

Fast Decisions

National Coverage

Holistic Approach

Comprehensive Panel

Direct Access to Underwriters

No Obligation Quote

Send an Enquiry

Did you know we also offer these services?

Conveyancing

Conveyancing

No Sale, No Fee, Fixed Price

Removals

Removals

Low Cost, National Coverage

Surveyors

Surveyors

Instant Online Quotes