Buildings and Contents Insurance
Do you have the right level of cover for your needs?
Protect your property and possessions in the most cost-effective and tax-efficient way.
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Access comprehensive, uncomplicated cover
You don’t need us to tell you that Buildings and Contents insurance is a good idea. Protection for your property and what’s in it is essential, but organising the right cover isn’t always straightforward. This is especially true if your insurance and even your mortgage are run through your company.
It pays to be tax efficient while achieving peace of mind that your property and possessions are covered, but there are many intricacies to consider – even more if you’re insuring a buy-to-let property owned by your business. Understanding what’s included in your policy and what’s not is important to understand upfront and will help to prevent issues down the line should you have to make a claim.
Let’s talk about your specific needs
Our experts are here to help you overcome the many challenges and pitfalls homeowners and landlords come across, making sure to understand your needs in order to offer the right advice. Looking at your budget, property and mortgage type in addition to the requirements of your cover, we’ll help you navigate an often confusing insurance landscape for contractors and company directors.
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Why Buildings and Contents Insurance for business owners, professionals and contractors?
Just like any financial product, independent professionals may face challenges in securing the best deals. However, they may also benefit from opportunities not available to those in full-time employment. Whether you’re looking to insure your own home, your company premises or a rental property, our experts can guide you through your options and identify potential savings and benefits depending on your circumstances.
Get the facts
Download our guide to Buildings and Contents Insurance.
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Ready to secure the cover that’s right for you?
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FAQs
How do I calculate the rebuilding cost of my property?
The rebuilding cost of your home is not the same as its market value. It represents the amount needed to completely rebuild your home, excluding the value of the land.
You can check your current home insurance documents, surveyor’s report, or mortgage valuation (if done in the last two years) for the rebuild cost. Alternatively, you can use the BCIS rebuild calculator for an estimate: BCIS Rebuild Cost Calculator.
Will my insurance cover items away from home?
Yes, but only if you have selected the appropriate cover. The following optional add-ons provide protection for personal items outside the home:
- Personal Items – Covers valuables such as jewellery and handbags.
- Technology & Entertainment – Covers gadgets, laptops, and tablets.
- Pedal Cycles – Covers bicycles.
Check your policy schedule to confirm what is included.
Does home insurance cover wear and tear?
No, home insurance covers sudden and unexpected damage. It does not cover items that have naturally worn out over time, broken down, or been poorly maintained. Keeping your home and possessions well-maintained is essential, as insurance is not a substitute for proper upkeep.
Do I need Landlord Insurance?
If you rent out a property, standard home insurance may not be enough. Landlords face additional risks, such as:
- Tenant-related damage
- Loss of rent
- Liability claims from tenants
By informing us that your property is rented out, we can tailor a policy to suit your needs.
How much does landlord insurance cost?
The cost of landlord insurance depends on several factors, including:
- Property location and size
- Construction type
- Number of tenants and property use
- Level of cover selected
For an accurate quote, it’s best to discuss your specific needs with an adviser.
What landlord insurance do I need?
We offer a variety of landlord insurance policies to suit different needs, including:
- Residential landlord insurance – For properties rented to individuals or families.
- Commercial landlord insurance – For business premises you lease out.
- Mixed-use landlord insurance – For properties with both residential and commercial tenants.
- Portfolio landlord insurance – For multiple rental properties under one policy.