Insuring your building and its contents offers valuable protection against a wide array of events including flood and fire damage. It provides peace of mind that you are covered if your property and the items stored within it are destroyed by an event outside of your control.

Buildings and contents insurance is a combination of the two and covers damage to both. It is typically convenient to choose the joint cover and can even offer savings over insuring both individually.

When you insure buildings you are covered in the case that the property needs to be completely or partially rebuilt after it has sustained damage. This is important for the owner and the mortgage provider too, ensuring both of your needs are met. Many providers will insist that you have the cover in place when they lend to you.

You can protect a wide array of contents with insurance including jewellery, furnishings, electrical equipment, and the items in your fridge and freezer. The coverage can vary. You can opt for indemnity which will replace like for like based on the age of items, or opt for new for old where all replacements are newer models. Both types of cover can protect you against theft.