Protection for your home and everything in it.
If you have a mortgage, buildings insurance will normally be a condition of the loan. But good cover should do more than keep the lender happy. We help protect the building, your belongings and you against the unexpected costs of running a home.
- Cover tailored to your property and belongings
- Only 5-star Defaqto policies recommended
- Home emergency cover included as standard
As with all insurance policies, conditions and exclusions will apply.
Buildings and contents: two different jobs.
Buildings insurance covers the structure of your home and its permanent fixtures, including the roof, walls, floors, fitted kitchen and bathroom.
Contents insurance protects the things you own, such as your furniture, appliances, clothes and personal belongings.
You can arrange them separately or combine them in one home insurance policy. If your home or belongings are damaged by an insured event, the policy can help meet the cost of repairing, rebuilding or replacing them, subject to its limits, exclusions and excesses.
When do you need buildings insurance?
Buildings insurance is not a legal requirement, but if you have a mortgage, your lender will normally make adequate cover a condition of the loan.
If you are buying a property and will be responsible for insuring the building, ask your conveyancer when the cover must begin. In England and Wales, this is usually from exchange of contracts, when you become legally committed to the purchase. The process differs elsewhere in the UK, so follow your conveyancer’s advice.
With a leasehold property, the freeholder or managing agent will often insure the building, with your share paid through the service charge. Check the lease and speak to your conveyancer before arranging separate buildings cover. You will normally still need your own contents insurance.
The quality of the cover matters.
Your home is probably the most valuable thing you will ever own. But it is more than an asset: it is where your family lives and where nearly everything you own is kept.
The cheapest policy is not necessarily the best. Cover limits, excesses and exclusions vary considerably, and the difference often becomes clear only when you need to claim.
Buildings insurance should be based on the cost of rebuilding your home, not its market value. Contents cover should also reflect what it would genuinely cost to replace everything you own, with valuable items listed separately where required.
Our team will explain the options and help you arrange cover that properly reflects your home, belongings and circumstances.
What makes us different.
- Specialist advice rather than a price comparison table
- Defaqto 5 Star-rated policies as standard
- Cover from a panel of established providers
- We collect the information and handle the administration
- Options for homeowners, landlords and non-standard properties
- Additional cover available for home emergencies, accidental damage, valuable items and belongings away from home
Listed building or non-standard construction?
Bath has rather a lot of both. Listed buildings, thatched properties, timber frames and other unusual construction methods can fall outside standard underwriting criteria.
Some mainstream insurers will decline them, restrict the cover or charge considerably more. We understand the specialist market and can find a policy designed for the property rather than trying to force it into a standard box.
Everyone’s needs are different. Talk to our protection team and we will help you find the right level of cover.
Protect your home and what’s inside
We’ll help you understand your buildings and contents options, what’s included and the level of cover that may suit your property and belongings. Your first conversation is free, with no pressure to proceed.
Call 01225 258900Questions
Your home insurance questions, answered.
Is buildings insurance a legal requirement?
No. Buildings insurance is not a legal requirement, but a mortgage lender will normally require adequate cover as a condition of the loan.
If you are buying a property, ask your conveyancer when the insurance must begin. In England and Wales this is often from exchange of contracts, but the position can vary according to the property and where in the UK you are buying.
Do I need buildings insurance for a leasehold flat?
The freeholder or managing agent will often arrange insurance for the building, with your share collected through the service charge. Check the lease and ask your conveyancer before arranging separate buildings cover.
You will normally remain responsible for insuring your own belongings.
What is a Defaqto 5-star rating?
Defaqto assesses the features and benefits offered by an insurance policy. A 5 Star Rating indicates that the policy provides one of the more comprehensive sets of features assessed by Defaqto.
It does not assess the price, claims service or whether the policy is suitable for you, so we still compare its limits, exclusions and excesses.
Can you insure a listed building?
Listed buildings and properties with non-standard construction can often be insured, but they may require a specialist provider.
The insurer may need details of the listing, construction, rebuilding cost, previous claims and any renovation work. We’ll check which providers are prepared to cover the property and compare the available terms.
Ready when you are.
Whether you’re arranging a mortgage or protecting what matters, tell us what you need and we’ll explain your options clearly. Your first conversation is free and there’s no obligation.
