Buildings and contents

Home insurance falls into two parts, buildings and contents, and you can buy them together from one insurer or mix and match.

Whilst contents cover is recommended, your mortgage lender will probably insist that buildings insurance is a condition of your loan.

If you’re buying a flat, the freeholder of the building will often be responsible for buildings insurance and will pass the premiums on to you through the service charge. Check this in your lease before you buy.

Find your local advisor to discuss buildings and contents or to get a quotation.