Buildings & Contents Insurance

Why you need buildings & content insurance

Buildings and contents insurance helps protect your home and belongings against damage or loss. We’ll help you understand what’s required, what’s optional, and how cover usually fits alongside a mortgage.

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What Is Buildings & Contents Insurance?

People often arrange buildings and contents insurance when buying a home, moving, or remortgaging. Policies can be combined or taken separately, depending on your needs and property type.

Buildings insurance

Buildings insurance covers the structure of your home, such as walls, roof, floors, and permanent fixtures, against events like fire, flood, or storm damage. Most mortgage lenders require buildings insurance to be in place from exchange of contracts.

Contents insurance

Contents insurance covers your personal belongings inside the home, including furniture, electronics, and valuables. It isn’t usually required by lenders, but many homeowners choose it to protect what they’ve built up over time.

Who is it for?

Buildings and contents insurance may be relevant if:

  • You’re buying a property with a mortgage
  • You already own a home and want to review cover
  • You’re moving home or remortgaging
  • You want to protect personal belongings inside the property
  • Your lender requires buildings insurance in place

We’ll help you understand what level of cover is appropriate for your situation, without overcomplicating things.

How The Mortgage Heroes help

We provide professional advice on buildings and contents insurance, aligned with your mortgage and property.

We’ll explain what your lender requires, what’s optional, and how policies differ. There’s no obligation to proceed, and no pressure to arrange cover if you already have suitable insurance in place.

If you do need cover, we’ll help you arrange it so it’s set up correctly and ready when your mortgage completes.

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FAQs

  • Is buildings insurance required for a mortgage?

    In most cases, yes. Mortgage lenders usually require buildings insurance to be in place from exchange of contracts to protect the property. We’ll explain what evidence is needed and make sure cover is arranged at the right time.

  • Do I need contents insurance as well?

    Contents insurance isn’t usually required by lenders, but many homeowners choose it to protect their belongings. Whether it’s right for you depends on what you own and how you’d manage without it. We’ll help you decide what’s sensible.

  • What does buildings insurance typically cover?

    Buildings insurance usually covers the structure of the property and permanent fixtures against risks such as fire, flood, storm damage, and subsidence. Cover varies by policy, so we’ll explain what’s included and any common exclusions.

  • How much cover do I need?

    Buildings insurance is usually based on the rebuild cost of the property, not its market value. Contents cover depends on the value of your belongings. We’ll help you understand how these figures are calculated and avoid under- or over-insuring.

  • When should I arrange buildings insurance during a purchase?

    Cover is usually needed from exchange of contracts, not completion. We’ll help ensure everything is in place at the correct point so there are no delays with your mortgage.

  • Can I keep my existing policy when I move or remortgage?

    Sometimes, yes. Policies can often be updated with new property details. We’ll review your existing cover and explain whether it still fits your circumstances.