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What is buildings and contents insurance?

Buildings insurance covers the structure of your home and cost of rebuilding the property from scratch should it be damaged disasters such as fires, storm and floods.

This cost is not the same as the property’s market value. Contents insurance covers your personal possessions in your property such as laptops and jewellery. Limits, terms and exclusions apply to all insurance policies.

Frequently asked questions

  • Is it a legal requirement to have home insurance?

    Most lenders require buildings insurance from the moment you exchange contracts. If you own a freehold property, you will have a personal policy, if you own a leasehold property or have a share of the freehold in a flat or maisonette you can insure the building under a single buildings policy. There is no legal requirement for contents insurance, however, your possessions will not be covered in the event of a burglary or damage.

  • What should be included in buildings and contents insurance?

    Buildings insurance covers the fabric of your home such as the roof, walls, windows and permanent fixtures like a fitted kitchen, bathroom, garage and outbuildings. Contents insurance policies vary depending on the cover required. For instance you may want cover for electrical items, furniture and jewellery. You may also include cover for your possessions away from home. The premiums will reflect the cover you required.

  • Is it cheaper to get buildings and contents insurance together?

    It depends on the policy cover you require but they can be cheaper bought together. It’s worth checking that you do not have cover elsewhere for instance with your bank account.

Why choose The Mortgage Brain for insurance?

We have access to thousands of insurance products from hundreds of trusted providers

Our protection specialists are fully qualified to advise on the best products

We have thousands of happy customers with a 5/5 rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated insurance & protection specialist will be with you every step of the way, from the initial consultation to the completion of your policy

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