Buildings Insurance is designed to cover you against physical damage to your property. It is generally a condition on your mortgage contract and is required by most mortgage lenders to comply with the terms and conditions of the mortgage contract.

Contents Insurance offers cover against fire, theft, acts of god and accidental damage to your personal belongings. As different companies offer different inclusions and exclusions of what they cover, you should always check your existing policies to see if it includes cover on your most precious items