Home & Contents Insurance Protect Your Home And Everything In It
Buildings insurance covers the structure of your home, and contents insurance covers the things inside it. Many homeowners combine the two.
WHY HOME INSURANCE MATTERS
Protect the Place You Live and What You Own
Repairing your home or replacing belongings after a fire, flood or break-in can be expensive. Home insurance can help with the cost, subject to your policy terms.
Protect the Structure
Buildings insurance covers the main structure of your home, including permanent fixtures.
Protect Your Belongings
Contents insurance covers your possessions inside your home.
Meet Your Lender's Requirements
Most mortgage lenders require buildings insurance to be in place from exchange of contracts.
Avoid Unexpected Bills
Help avoid large, unexpected costs for your household if something goes wrong at home.
UNDERSTANDING COVER
Know What Your Policy Is Designed To Do
Home insurance policies differ, so it's important to understand what yours covers.
Buildings Cover
Covers the main structure of your home, including permanent fixtures, against insured events, subject to the policy terms.
Contents Cover
Covers your possessions inside your home. Contents cover on its own may suit you if you rent or your building is already insured.
Rebuild Cost, Not Market Value
Buildings cover is based on the cost to rebuild your home, which differs from its market value because that includes the land.
Accidental Damage
Cover for accidental damage is often an optional extra rather than included as standard.
High-Value Items
Some insurers ask you to list individual items worth more than a set amount, such as £2,000, for them to be covered.
Belongings Away From Home
Some policies can cover belongings you take out of the home, sometimes as an optional extra.
YOUR CHOICES
Your Cover Is Shaped By The Choices You Make
These choices affect how your home insurance works and what it costs.
Your Excess
The amount you pay towards a claim. If a claim costs less than your excess, you can't claim for it.
Rebuild Cost
Make sure your buildings cover reflects the full cost of rebuilding your home, not its market value.
Optional Extras
Some policies let you add cover such as home emergency or legal expenses.
Valuables
List any items your insurer asks you to specify, so they're properly covered.
Leaving Your Home Empty
Some policies don't cover damage or theft if your home is unoccupied for more than a set time, such as 60 days in a row.
Flood Risk
Flood Re works with insurers to help households at risk of flooding. Eligible homes include those given a council tax band before 2009.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
WHY CLIENTS TRUST US
Protection Designed Around Your Lifestyle
Helping individuals, families and businesses protect what matters most.
Financial Security
Safeguard your hard-earned assets against unexpected life events.
Family Protection
Help your loved ones cope financially if the worst happens.
Income Replacement
Keep money coming in if illness or injury prevents you from working.
Property Security
Shield your home and personal valuables from unexpected damage or loss.
Business Continuity
Protect your company's revenue, key employees, and future operations.
Peace Of Mind
Your adviser can help you understand your options at every step.
Clear Advice
We explain what each policy covers, and what it doesn't, before you decide.
Regular Reviews
Your needs change over time, so it's worth reviewing your cover after big life events.
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FAQ
Common Questions
Everything you need to know about home and contents insurance
What's the difference between buildings and contents insurance? 
Buildings insurance covers the structure of your home, including permanent fixtures. Contents insurance covers the things inside it. You can buy them separately or together.
Do I need buildings insurance for my mortgage?
Most mortgage lenders require buildings insurance to be in place from exchange of contracts, as that's when you become legally responsible for the property. If you're buying a leasehold flat, your landlord will usually insure the building through your service charge, but this doesn't include your contents.
How much buildings cover do I need?
Enough to cover the full cost of rebuilding your home from scratch. This rebuild cost is different from your home's market value, which includes the value of the land.
What is an excess?
It's the amount you pay towards each claim. If the cost of a claim is less than your excess, you can't claim. For example, £100 of damage with a £200 excess wouldn't be paid.
What if my home is at risk of flooding?
Flood Re works behind the scenes with insurers to help households at risk of flooding. You don't apply to Flood Re directly; you buy a policy through a participating insurer. Eligible homes are generally those built and given a council tax band before 2009 and lived in by you or your immediate family. Rental and business properties aren't eligible.