Buildings and Contents Cover

Your home is one of the most valuable things you own. Protecting both the structure of your property and the belongings inside it can help you avoid significant financial loss if something unexpected happens.

Buildings and contents cover is designed to protect your home from events such as fire, flooding, storms, or theft. It ensures that both the property itself and the items you own inside the home are financially protected if they’re damaged, destroyed or stolen.

Many homeowners choose a combined buildings and contents insurance policy because it provides comprehensive protection for both their property and personal belongings.
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Types of Buildings and Contents Cover

Buildings Insurance Only
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This protects the structure of your property but does not cover personal belongings inside the home.

Contents Insurance Only
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This covers items inside the home but not the property structure itself. This type of cover is often chosen by renters.

Combined Buildings and Contents Insurance

A combined policy covers both the structure of your property and the belongings inside it.
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What Is Buildings and Contents Cover?

Buildings and contents cover is a type of home insurance that protects two important parts of your home.
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Buildings Insurance

Buildings insurance protects the structure of your property, including:

Walls, roof and floors
Windows and doors
Permanent fixtures like kitchens and bathrooms
Garages, sheds and fences

This cover helps pay for repairs or rebuilding if your home is damaged by events such as fire, floods, storms or subsidence.

Contents Insurance

Contents insurance protects the belongings inside your home, including:

Furniture and appliances
Electronics and gadgets
Clothing and personal items
Jewellery and valuables

Legal Information :

Fee Free Mortgage Broker is a trading style of Alexander Southwell Mortgage Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA) (FRN 1011890).
Registered in England & Wales (Company No. 11772228).
Registered office: Nix Business Centre, 2 Park Court, Abbey Park Industrial Estate, Romsey, Southampton, SO51 9DH. We are registered with the Information Commissioner’s Office, registration number ZA488146.© 2062 , Inc. All rights reserved.

FCA Disclaimer :

Information on this website is for general guidance only and is accurate at the time of writing. It does not constitute personalised financial advice. Mortgage criteria and lender policies can change; please speak to an FCA-authorised adviser for up-to-date advice tailored to your circumstances. Some buy-to-let mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Buildings and Contents Cover

How can we help you?

let us know about your circumstances to get your application started