Buildings and Contents Insurance
When insuring your property you have a range of options including:

Buildings only cover Contents only cover

Buildings & Contents combined

Buildings and contents insurance is available to both new and existing mortgage borrowers and there are limits to the value of insurance you receive. Normal policies cover you for damage to your building or contents caused by:

Fire, smoke, explosion, lightning or earthquake Riots, civil commotion, labour and political disturbances or strikes Malicious damage or vandalism Storm or flood

Impact or collision Subsidence or heave Escape of water or oil Theft or attempted theft

Mortgage Payment Protection
Taking out a mortgage is probably going to be your single biggest financial commitment. Mortgage insurance helps you cover your payments in the event of unemployment, accidents preventing you from working or sickness and disability. In any of these circumstances you may fall behind with your mortgage payments and you could end up losing your home. That is why borrowers are being encouraged to consider the advantages of taking out mortgage payment protection insurance.

Policies typically cover your payments for 12 months and can also include the cost of your buildings and contents insurance. They are available to both employed and self-employed applicants and can be either single or joint cover.

Landlord’s Buildings and Contents
Landlord’s buildings and contents insurance is especially designed to provide household insurance where you are a private individual and the property that you own is rented out under a single tenancy agreement. We will insure up to a maximum of 10 different properties and can cover buildings only or buildings and contents.