Building & Contents Insurance has you back

When disaster strikes, from a burst pipe, a kitchen fire, or a break-in, you need buildings and contents insurance you can trust to step in.

Equally, with September starting the back-to-school season, don’t forget that contents insurance can cover valuable objects, even away from home.

Think of buildings insurance as your home’s safety net.

This covers the structure of your property – walls, roof, floors, windows, fitted kitchens, and bathrooms.

If a storm tears off your roof or a fire guts your living room, your policy can cover full repairs or even a complete rebuild.

The goal? To restore your home as close as possible to its original condition so it’s safe, stable, and liveable.

Contents insurance: protecting what makes a house a home
Your belongings carry your memories and daily comforts – the sofa, laptop, clothes, children’s toys.

If they’re damaged or stolen, contents insurance provides the funds to repair or replace them. Many policies offer “new for old” replacement, meaning you’ll receive brand-new items rather than the depreciated value of the old ones.

This helps your home feel like yours again, not just a patched-up version.

Cover beyond your front door
Many people don’t realise contents insurance can also protect belongings when they’re not at home.

With the right policy additions, items like laptops, phones, jewellery, or sports equipment can be covered while you or your child are out and about.

This is made possible through personal possessions cover – an optional extra on most contents policies. It extends your protection whether you’re commuting, travelling, working, or studying away from home.

For students
Some insurers allow coverage to continue under the family’s main contents policy, provided the term-time address is listed and conditions are met. Others may offer tailored student contents insurance.

So, if a laptop is stolen from a locked university dorm or a phone is damaged during the daily commute, your policy could have you covered , but only if you’ve arranged the right level of protection.

Quick Tips ✅

• Add personal possessions cover to your contents policy

• Declare when a family member is living away (e.g. at uni)

• Specify any high-value items separately if needed

• Check limits and exclusions for off-premises claims

• Make sure your sums insured match the real cost of rebuilding and replacing — underinsurance is surprisingly common and can leave you short when you need support most

Together, building and contents insurance give you peace of mind. Do you need a review?

If it’s been over a year since you reviewed your policy, or you’re unsure if you’re fully protected, let’s chat. A quick conversation now could make all the difference later.