Buildings & Contents Insurance Overview

Here at Policy Expert, we work closely with some of the UK’s leading insurance companies to help you find great deals on your combined buildings and contents insurance.  The right cover at the right  price could be just a couple of clicks away.

Combined policies can be the most efficient way to insure your home. You only have to deal with one provider, regardless of whether you need to claim on your buildings or contents. They may also work out to be the most cost effective option.

Look for dual policies that cover you for the following:

•    Loss or damage from fire, water and oil leaks, theft and vandalism, impact, storm and flood, subsidence, heave and landslip
•    Accidental damage to TV, video/DVD, music and computer equipment, mirrors, glass and ceramic tops.
•    Loss of frozen food if your freezer breaks down or there's a power cut   
•    Loss or theft of money and credit cards
•    Theft from your shed, garage or outbuildings
•    Loss or damage to your garden furniture, hedges, trees, shrubs, plants and lawns
•    Loss or damage to home office equipment
•    Alternative accommodation or rent   
•    Personal and employers liability   
•    Contents temporarily removed from your home   

You could also look for providers that offer extra benefits:

•    Cashback incentives
•    Discount on motor, life and holiday insurance
•    Payment of fees to switch
•    Cover for legal expenses, domestic emergency and identity theft
•    Free contents cover when you take out buildings insurance

Buying your buildings and contents insurance together can be a cheaped way of doing things, as many providers offer a reduction as an incentive for you to purchase both types of cover with them. Whilst it’s often a more convenient option, you still need to shop around for the right deal for your particular insurance needs. Be aware though, not all discounts are as good as they first appear so check what’s covered,  the cost of added extras and whether it works out cheaper to insure buildings and contents individually.

Read our home insurance articles and guides for more great topics or get a home insurance quote.