Building & Contents
It’s not fun to think about, but your home could be the victim of a burglary, an unexpected fire, burst water pipe or structural damage at any time. Secure your property and everything within it, from simple things such as the television and computer to precious heirlooms and family photos, with buildings and contents insurance.
Building & Contents Insurance
Buildings and contents insurance protects your home and belongings against damage, theft, and other risks. Buildings insurance covers the structure itself, including walls, roof, and permanent fixtures, while contents insurance protects your possessions like furniture, electronics, and clothing. Most mortgage lenders require buildings insurance, and policies can be purchased separately or together.
What is Buildings and Contents Insurance?
The difference between buildings and contents insurance is that buildings insurance covers the physical structure of the property including the walls, roof and floors, while contents insurance covers items inside the property, like furniture and freestanding appliances.
Home contents insurance covers you against loss, theft or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday, for example. However, it’s a good idea to do so because if any of your contents are lost, stolen or damaged you will have to pay to replace them.
If you are looking for both buildings and contents insurance for your home, then buying a combined policy is often cheaper than two separate ones. This is cheaper than buying two policies to cover buildings and contents insurance separately.
At APH Financial our General Insurance Consultant will help you tailor your cover to your specific needs. This can include home emergency cover, legal expense cover and items away from the home such as jewellery and mobile phones. These days we take a lot of valuable devices out of our homes and most standard contents policy will not cover these unless specified at application. This is why it is important to get advice from a qualified professional advisor.
Why do I need Buildings and Contents Insurance?
Buildings and contents insurance is designed to ensure that if anything were to go wrong with your home, or the belongings within, you would be able to put it right. For example, for an average claim for a burst water pipe with the right policy in place, all of the damage (pipes, ceilings, paining, carpets and electronics) would be repaired or replaced at no extra cost. With many policies boasting device insurance and other extras, something as small as a mobile phone being lost could be covered.
What Our Clients Say
Outstanding Mortgage Advisor – Highly Recommended
I cannot recommend James highly enough. From the very beginning, he has gone above and beyond in helping me with all my mortgage applications and all related queries. His professionalism, attention to detail, and responsiveness have made the entire process smooth and stress-free.
What really stood out was the level of personal care he provided – nothing was ever too much trouble, and he always took the time to explain everything clearly and ensure I was comfortable at each stage. It’s rare to find someone so committed to providing such a high standard of service.
If you’re looking for a mortgage advisor who is knowledgeable, reliable, and truly has your best interests at heart, then look no further. A five-star service from start to finish!
martin reader
APH have provided me with brilliant support and advice over the past few years over all sorts of financial affairs. Once again today, James provided fast and efficient support to me in getting some important documents certified and made sure I had all I needed to move forward. It gives me confidence knowing I can access APH support and expertise with my financial matters.
Thanks James.
Lesley Allen
James at APH has been fantastic, offering friendly, timely and detailed advice in layman’s terms. His communication has been great and his work is thorough. His personal touch sets him apart in his industry and we’ll definitely use him again for all things mortgage related!
Mr Brodie
I recently worked with Bianca from APH, and I was very happy with the service I received. From the very first consultation, she took the time to explain all my options clearly, answered every question with patience, and made the process feel smooth and manageable. She was always there to hold my hand when I had questions!