Buildings and Contents Insurance — Complete protection for your property.
BUILDING AND CONTENTS INSURANCE ADVISOR
Whether you’re in Aberdeen, London, or anywhere in the UK, we can help you find the right home insurance UK policy for your needs.
Buildings and Contents Insurance is essential for homeowners, landlords, and first-time buyers who want to protect their property and belongings from life’s unexpected events.
At Hay-House Financial Services, we help you find the right level of cover — whether it’s for your family home or investment property — giving you peace of mind and financial protection from day one.
In simple terms, buildings insurance covers the structure of your property, including permanent fixtures and fittings. If your home is damaged or destroyed, it pays to repair or rebuild it — ultimately saving you from significant out-of-pocket costs.
Typically includes cover for:
- Fire and smoke damage
- Storm and flood damage
- Theft or vandalism
- Burst pipes and water leaks
- Subsidence or ground movement
- Falling trees, satellite dishes or aerials
Note: Buildings cover is usually required by your mortgage lender before completion.
Contents insurance protects everything that would fall out of your home if you turned it upside down. It covers the value of your belongings against theft, fire, flood, and more.
Your contents policy can cover:
- Furniture and appliances
- Electronics and gadgets
- Jewellery and valuables
- Clothing and personal items
- Items taken outside the home (optional)
This is ideal for tenants, homeowners, and anyone who owns items within an unfurnished property. We’ll help you calculate the correct value of your contents — so you’re neither underinsured nor overpaying.
Yes — combining both types of cover in a single policy can save you time and money. Additionally, it’s especially useful if you’re arranging cover alongside a new mortgage.
- One monthly premium
- One insurance provider
- One easy renewal date
- Streamlined claims process
WHAT’S THE DIFFERENCE
Here’s an easy way to remember:
If you turn your house upside down, the things that fall out are covered by Contents Insurance.
Meanwhile, everything that stays fixed in place is covered by Buildings Insurance
Standard home insurance doesn’t cover rental properties. If you’re a landlord, you need specialist landlord insurance that protects your building, rental income, and legal responsibilities.
Landlord Insurance can include:
- Buildings cover for structural damage
- Contents insurance for landlord-owned items
- Loss of rent if the property becomes uninhabitable
- Liability protection for injury or tenant damage
- Optionally, malicious damage caused by tenants (optional)
- Also, legal costs and eviction cover
Whether you own a single rental or a large portfolio, we’ll tailor the cover to your needs.
If you’re buying a home, we’ll make sure your policy is:
- In place before completion
- Completely compliant with your lender’s requirements
- Set up to protect your investment from day one
As a result, we work closely with mortgage clients to simplify the process. View our mortgage types to learn more.
- Trusted experts in home, landlord, and property insurance
- We compare policies from leading UK insurance providers
- Tailored advice based on your property type and value
- We can set up cover to align with your mortgage completion
- Ongoing support with claims, renewals, and policy reviews
- One dedicated contact — no call centres or long waits
Ready to protect what matters most in your new home?
Whether you’re protecting your family home, your possessions, or a buy-to-let property, we make insurance simple and stress-free.
Contact Hay-House Financial Services today for expert advice on life insurance.
Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.