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Home Contents Insurance:
When it comes to household insurance, there are two kinds of policy.
- Buildings insurance covers the structure of the home itself, as well as the fixtures and fittings
- Contents insurance covers the contents you would take if you moved.
In addition to covering against risks like fire, subsidence, theft, flood and storm, both kinds of policy have a liability section - this provides for claims which you may become legally liable to pay in respect of damage to a person or property that are not a member of your household that you incur as owner of your home.
You don't have to insure your contents and home with the same company - the insurance market is extremely competitive, so it's always worth shopping around. However, using the same company may speed up any claims you make if you suffer damage to both your home and its contents, in addition to obtaining a small premium reduction.
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Calls to 0870 numbers from fixed UK Landlines are charged the same as calls to geographic numbers such as 01 and 02 numbers. Calls from mobiles may be higher, and vary depending on the provider.
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Find a broker helpline is open 9.30am-5pm Monday to Friday.
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If you have difficulty getting through, please use our
online service.
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