Buildings and Contents Insurance for Your Home
The “boring” bit that matters more than you’d think, especially the first time your lender asks for proof it’s in place.
Should you fail to disclose or misrepresent a fact, then you risk the insurer only paying part of the claim, declining to pay all the claim and possibly declaring the policy invalid.
The Cover Your Lender Will Ask About
Your lender will usually insist on buildings insurance before completion, and it’s worth having contents cover sorted at the same time, so your home and everything in it is protected from day one, not as an afterthought once you’ve moved in.
Taylor-Brown Financial arranges buildings and contents insurance alongside mortgage advice, including cover for new builds and leasehold flats.
Are You Covered for What Actually Matters?
We’ll check what’s already included, particularly for new builds and leasehold flats, so you’re not paying for cover you don’t need or missing something you do.
Buildings vs Contents, What's the Difference?
The two are easy to mix up, so here’s what each one
actually covers.
Buildings insurance
Covers the structure: walls, roof, windows and fixed fittings. Usually required by your mortgage lender, and often included in the freeholder’s policy for flats.
Contents insurance
Covers what’s inside: furniture, appliances and belongings. Not usually required, but strongly recommended, and almost always arranged separately by the leaseholder.
Home emergency cover
Covers the cost of a callout when something goes wrong suddenly, a burst pipe, boiler breakdown, or lost keys locking you out. Not a substitute for buildings or contents insurance, but a useful add-on that gets a tradesperson out fast rather than leaving you to find and pay for one in a hurry.
Michael’s expertise, attention to detail, and genuine care for his clients shine through in every interaction.
As loyal clients of Taylor-Brown Financial since 2017, we cannot recommend Michael and his team highly enough! His exceptional service and professionalism have consistently exceeded our expectations.
Getting You Covered
Taylor-Brown Financial arranges buildings & contents cover as part of the same conversation as your mortgage, not as an afterthought or a separate sale. Here’s how we make sure you’re properly covered.
We check what's
already covered
Particularly for leasehold or new-build properties.
We compare policies
across the market
To find the right type and level for you.
We arrange it alongside
your mortgage
So it’s in place from completion day.
Our Approach to Buildings & Contents Cover
Property Protection
Cover checked against what’s actually needed for new-build and leasehold properties, not a one-size-fits-all policy.
Cover Ready
Arranged alongside your mortgage so it’s in place from completion day, nothing left to chase.
Compare, Don’t Settle
A comparison rather than a single insurer’s default option due to our list of extensive lenders.
Clear Guidance
Straightforward guidance on what your lender actually requires, versus what’s optional.
Frequently Asked Questions
Do I need buildings insurance for my mortgage?
Yes, almost all mortgage lenders require buildings insurance to be in place from the day your mortgage completes, as a condition of the loan.
Is buildings insurance the same as home insurance?
Not quite. ‘Home insurance’ is often used as an umbrella term covering both buildings and contents, whereas buildings insurance on its own only protects the structure.
Do I need separate buildings insurance for a leasehold flat?
Often the freeholder arranges buildings cover for the block, so as a leaseholder you may only need contents insurance, but it’s worth confirming exactly what’s already covered.
What Our Clients Say
Latest Guidance & Articles
Moving in and Need Cover Sorted Quickly?
Get in touch and we can arrange buildings & contents insurance alongside your mortgage.