What is Buildings and Content Insurance?

Under the umbrella of home insurance, this comprehensive policy provides protection for both your property and its contents in case of damage. Renters may primarily focus on contents insurance, but homeowners are typically required by their mortgage lenders to secure building insurance.

Building insurance safeguards you against damages caused by natural disasters or unforeseen events that affect your home.

On the other hand, contents insurance protects all movable items within your home, such as furniture, electronics, and jewellery. Not only does it cover damages to these belongings, but it also provides protection against theft.

While you can opt for separate policies for building and contents insurance, bundling them together often proves to be a more economical choice.

Is this type of insurance right for me?

Your mortgage lender typically requires you to have insurance, and this is often a condition for securing your mortgage. Yet, beyond the lender's stipulations, it is crucial to recognise the importance of this insurance for your peace of mind. The future is unpredictable, and unforeseen events can occur at any moment. Without adequate insurance, you could face significant financial challenges if you need to repair your home or replace damaged belongings after a calamity.

However, with the right insurance coverage, you can avoid draining your savings or emergency funds during tough times, allowing you to focus on the many responsibilities that come with homeownership without added stress.

Does the policy cover all illnesses?

Having unlimited coverage guarantees that you will receive an automatic payout for necessary home repairs or the replacement of any damaged belongings. However, it is important to note that payouts are only applicable for damages that are beyond your control, such as those caused by natural disasters like storms or floods. Additionally, not all of your possessions may be included in the coverage, so it is advisable to consult with your insurance provider before committing to a policy.

You also have the option to enhance your coverage with additional extras. While this may lead to an increase in your insurance premium, the added peace of mind knowing that your specific needs are addressed is invaluable.

Optional extras include:

Accidental property damage: This refers to any harm you may inadvertently cause to your own property.
Accidental contents damage: Similar to the above, but specifically concerning the items inside your home.
Home emergency coverage: In the event of a household disaster, like a burst pipe, you will receive assistance with some repair expenses and have access to a tradesman at no additional cost.
Liability protection: If someone is injured on your property, you may be protected in case they choose to take legal action against you.
Personal belongings coverage: Whether it's your smartphone or laptop, you will be protected against damage or theft.

We are here to help

Should you have any enquiries or require additional support, our dedicated team is ready to help you, so feel free to get in touch.

The plan will have no cash-in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

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01284 664 994

Buildings & Contents Insurance

Buildings and Contents Insurance offers a seamless solution by merging coverage for both your property and its contents. This comprehensive policy protects against various risks, including fire, theft, storm damage, and lightning strikes. If you are interested in securing building and contents insurance, reach out to Shaw-Smyth today to discover how we can assist you.

Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. Shaw-Smyth Mortgages Limited is an appointed representative of In Partnership the trading name of The On-Line Partnership Limited, Shaw-Smyth Mortgages Limited, company No: 15564138, registered in England & Wales, registered address: 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ This website is aimed at UK residents only. The information on this website is for use of residents of the United Kingdom. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Buildings & Contents Insurance

What is Buildings and Content Insurance?

Is this type of insurance right for me?

Does the policy cover all illnesses?

We are here to help

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