Buildings & Contents Insurance
Cover for your home and belongings

1. Protect the building
Buildings insurance covers the structure of your property and permanent fittings against risks covered by the policy, such as fire, storm or flood. We’ll help you consider the rebuild cost, cover limits and excesses, rather than simply using the property’s market value.

2. Cover the things inside
Contents insurance covers belongings such as furniture, appliances and personal possessions against insured loss or damage. Think about what it would cost to replace everything. We’ll explain options such as accidental damage and cover away from home, plus limits for valuable items.

3. Homeowner or landlord?
The right cover depends on how the property is used. If you let it to tenants, we can discuss landlord insurance and the cover available for your building and any contents you provide. Tell us about the tenancy, furnished rooms and periods when the property may be empty.

4. Choose suitable cover and keep it reviewed
We’ll discuss your needs and budget, compare suitable options and explain the policy limits, exclusions and excesses. If you’re buying a property, we can help you arrange an appropriate start date. Review your cover when you move, renew or make changes to the property.