Building and contents

Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

Protect the place you call home

Your home is one of your most valuable assets and protecting it should be simple and straightforward.

Building and Contents Insurance provides cover for both the structure of your property and the belongings inside, giving you confidence if the unexpected happens.

From accidental damage to events like fire, theft, or leaks, we’ll help you find the right level of protection for your home and everything in it. With tailored options and access to a wide range of insurers, you can relax knowing your home is protected.

Expect a seamless, straightforward, and stress-free journey.

Expect a seamless, straightforward, and stress‑free journey. Whether it’s reviewing your existing home insurance or arranging the new cover for your circumstances, we keep every step simple and clear from your first enquiry to putting cover in place and long after.

22+

Available Insurers

100+

Mortgage lenders

100%

Tailored service

30+

Available insurers

FAQ's

Frequently Asked Questions

What is Building and Contents Insurance and why do I need it?

Building and Contents Insurance protects both your property and the belongings inside it. It’s important because it helps you cover the cost of repairs or replacements if damage, loss, or unexpected events occur.

What does Building Insurance cover?

Building Insurance covers the structure of your home — including the walls, roof, floors, fitted kitchens, bathrooms, and permanent fixtures. It protects you against risks such as fire, storm damage, floods, and subsidence.

What does Contents Insurance cover?

Contents Insurance protects your belongings, such as furniture, electronics, clothing, and valuables. It covers damage or loss due to theft, fire, water leaks, and other insured events.

How is the premium for Building and Contents Insurance determined?

Premiums are based on factors such as your home’s location, rebuild cost, the value of your belongings, your claims history, and the type of cover you choose.

Can I bundle Building and Contents Insurance with other types of cover?

Yes. Many insurers allow you to combine policies, such as home, contents, and additional protection options. Bundling can often be more convenient — and sometimes more cost-effective.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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