How Building & Contents Insurance Works
Understanding how buildings & contents insurance works is essential to making smart choices. Buildings insurance covers the cost of repairing or even rebuilding your home if it's damaged by things like fire, floods, storms, or vandalism. It also insures permanent fixtures & fittings, think kitchens & bathrooms, so if the worst happens, you're not left out of pocket.
Contents insurance, on the other hand, protects all the personal belongings inside your home: furniture, electronics, clothing, jewellery, & even items temporarily removed from the house. Having both policies in place means your property & your possessions are shielded against a broad range of risks, whether it's a minor mishap or a serious incident.
At Mortgage & More, we explain policy details in plain English, ensuring you know what's covered & what isn't. With our help, you don't have to worry about confusing jargon or hidden exclusions, a commitment that's earned us a reputation for clear, independent advice on all things home insurance.
Types of Cover Available
Every homeowner's needs are different, which is why there's a variety of buildings & contents insurance options to choose from. Here are the primary types of cover available & what they include:
- Buildings Insurance: Protects the physical structure of your home including fixtures & fittings, covering events like fire, floods, theft, or accidental damage.
- Contents Insurance: Safeguards personal possessions within your property, from furniture & gadgets to clothing & keepsakes. Some policies also offer protection for items taken outside your home.
- Combined Home Insurance Policies: Many providers let you combine both buildings & contents cover for convenience & potentially lower premiums.
- Accidental Damage Cover: An optional extra that insures you against the unexpected, whether it's a cracked window, a spilt drink on the carpet, or a broken appliance.
With so many options & variations, it's wise to compare buildings & contents insurance with expert advice. At Mortgage & More, we guide homeowners & first time buyers towards a low cost, affordable policy adapted to their circumstances, making sure nothing is left to chance.
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Why choose Mortgage & More for your first time buyer mortgage?
Expert, Independent Advice
We're specialists in mortgage protection advice & buildings & contents insurance. As an independent Mortgage Broker in Kent, we work for you, not the insurer, offering unbiased comparisons & guidance.
Highly Approachable & Supportive
Our friendly team understands how important it is to feel comfortable asking questions, especially if insurance is new territory for you. We're always here to clarify, reassure, & support you through every decision.
Jargon-Free Explanations
with Practical Tools
With Mortgage & More, there's no confusing industry language. We offer a straightforward, approachable experience.
Buildings & Contents Insurance: Frequently Asked Questions
What does buildings and contents insurance cover?
Buildings insurance covers structural damage to your home, while contents insurance protects your personal possessions from risks like fire, flood, theft, and accidental damage.
Do I need both buildings and contents insurance?
While not mandatory, having both gives complete protection for your home and belongings. Many first time buyers in Maidstone opt for combined home insurance policies for convenience and affordability.
Is buildings insurance compulsory for homeowners?
If you have a mortgage, most lenders require buildings insurance to protect their investment, but contents insurance is optional.
How do I calculate the rebuild cost of my home?
The rebuild cost covers the price of rebuilding your home from scratch, including materials and labour. Use professional surveys or online calculators, or ask our advisors for help.
Are valuables automatically covered under contents insurance?
Not always. Many policies require you to list high-value items separately. We offer expert advice on arranging the right cover for valuables and personal possessions.
Why should I choose Mortgage & More for my home insurance?
We offer expert advice, clear policy explanations, jargon-free guidance, and help you compare buildings and contents insurance for the best deal.
Ready for Expert Home Insurance Advice?
Feel confident & protected with expert, independent guidance from Mortgage & More. For straightforward advice or to compare affordable home insurance quotes in Maidstone, get in touch with us today, or call us on 01634 235132. Let's take the uncertainty out of buildings & contents insurance,together.
Phone: 01634 235132
Address: 9 Balas Drive, Sittingbourne, Kent, ME10 5AS
Email: info@mortgageandmore.co.uk
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR OTHER LOANS SECURED AGAINST IT.
THERE MAY BE A FEE FOR MORTGAGE ADVICE, THE PRECISE AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES, OUR TYPICAL FEE IS £395
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Mortgage and More is Authorised and Regulated by the Financial Conduct Authority. The Financial Service Register Number is 651274
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.
Mortgage and More is a Limited Company. Registered Address: Mortgage and More; 9 Balas Drive, Siitingbourne, Kent. ME10 5AS Registered in England and Wales under number 06437752
We always aim to provide a high-quality service to our customers. However, if you encounter any problems, in the first instance please write to the registered address above, email or call Mortgage and More outlining your complaint, if we are unable to resolve this, you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm).
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Some calls maybe recorded for training and monitoring purposes.