Buildings and contents insurance
Insure your property and belongings against the unexpected, so one bad day does not become a financial disaster.
Insure your property against all kinds of damage
When you own your home, buildings and contents insurance is essential.
You will not have to worry about your investment if your property is damaged by things such as flooding, fire or a break-in. Buildings insurance is usually a condition of your mortgage. Contents insurance is optional, but always advisable.
The market is full of property insurance. Pick the wrong policy and you could end up underinsured, or with no cover at all when you need it. We will help you compare options based on your property type, its rebuild cost and your contents.
Buildings insurance and contents insurance
Buildings insurance
- Covers the structure: walls, roof, floors and permanent fixtures such as kitchens and bathrooms
- Usually a condition of your mortgage
- Based on the cost to rebuild your home, not its market value
Contents insurance
- Covers your belongings: furniture, electronics, clothing and valuables
- Optional, but always advisable
- Check the limits for high-value items
Buildings insurance typically covers damage from
Cover levels, exclusions and excesses vary between policies. We will talk you through the details before you buy.
- Storms
- Flooding
- Fire
- Subsidence
- Falling trees
- Vandalism and break-ins
Common questions
Cannot see your question? Ask us, there is no obligation.
Buildings insurance is usually a condition of your mortgage and normally needs to be in place from exchange of contracts.
It is the cost of rebuilding your home from scratch, including materials, labour and clearing the site. It is often different from the price you would sell the property for.
Contents insurance is optional, but replacing everything you own after a fire, flood or burglary can be very expensive. We can help you work out the right level of cover.