Buildings insurance is of vital importance - for example, if your house burnt down do you have the money to cover your losses? Mortgage providers insist that you have building insurance so that in the event of a disaster it can be repaired or rebuilt, as lenders don't want to be left without security for their loan. A policy should cover funds to rebuild your home in the event of it being totally destroyed or damaged to the point that complete rebuilding is necessary.

Contents insurance gives protection to anything that is not a fixed part of your home, for example your appliances, electronic goods, furniture and clothing. Most home contents insurance policies will even cover the contents of your fridge and freezer. Policies can also include cover in the event of an injury in your home. Furthermore, some contents insurance policies would also cover you for legal liability if someone were injured in your home due to your negligence or lack of upkeep of the property.

Key Features of our Buildings and Contents Insurance

• Paperless Application for Builldings and Contents Insurance
• Buildings & Contents Insurance can be taken out by new and existing mortgage borrowers.
• We provide Buildings insurance up to a maximum of £500,000 and Contents insurance up to a maximum of £60,000.
• Bedroom rated policy so no need for you to calculate your sum insured
• Alternative accommodation cover is provided
• Contents Policy covers replacement of freezer contents, pedal cycles, and personal money
• Accidental Damage cover available at extra cost
• 15% No Claims Discount for First Time Buyers, plus if you have an existing policy, you can transfer any claim free periods

One of the best ways to reduce your home insurance premium is to cut the risk of the insurer having to pay out. This can be done in a number of ways:

• Security measures to reduce theft risk – Fit a burglar alarm, change locks, install time-switch lights, join a neighbourhood watch scheme, install security lighting, etc. NACASS standard alarms can get you up to a 7.5% discount.
• Reduce fire risk – Fit and maintain smoke alarms.
• Increase the standard policy excess – If you are willing to cover more of the cost of any claim then you will reduce your home insurance premium.
• No claims – The fewer the claims, the lower your premium. Also see which home insurance companies offer a no claims discount. This can save you up to 20% on your premiums.
• The premium you pay will depend on your age, the property's age, location and postcode of the property, number of bedrooms, claims history