Home Insurance

Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters!

There are two types of household insurance - buildings and contents. They are separate entities but can normally be bought together, usually with a discount.

Buildings Insurance

Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. It is a condition of every mortgage offer that buildings insurance is in place.

Aside from the mandatory aspect, insuring your property and contents is important. Imagine having to rebuild your property or replace all of your contents following a flood or fire.

Contents Insurance

Contents Insurance covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery, briefcases, iphones, laptops and cash.

Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident.

Landlords Insurance

Landlords insurance for buildings and contents may include as standard:

  • loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism
  • your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.
  • legal liability as owner of the buildings for causing injury to others or for damage to their property
  • home emergency cover – for call-outs or repairs if you have an emergency.

Contents only cover is only available in circumstances where the buildings is tied to another insurer, such as in the case of a leasehold flat.

Landlords Insurance additional cover options

You can tailor your policy with the following optional cover:

  • buildings accidental damage and malicious damage by tenants to cover you for incidents such as banging a nail through a pipe or putting a foot through the ceiling whilst in the loft and malicious damage by your tenants.
  • contents accidental damage and malicious damage by tenants so you don’t have to worry about things such as spills on carpets and malicious damage by your tenants.
  • legal expenses, rent guarantee and eviction of squatters cover insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent.


Please note that Landlords Insurance is designed to cover certain unforeseen events and doesn't cover everything. It does not cover things like general wear and tear or damage that happens gradually over a period of time. There is also an excess on each claim.