Protecting your home and belongings against the unexpected — with cover built around how you live, not just what you own.
home insurance policies
Home insurance comes in two parts, covering the building itself, and what’s inside it. Many people choose both as a combined policy, but you can also take each on its own depending on your circumstances.
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Buildings insurance covers the physical structure of your property — including walls, roof, floors, and permanent fixtures — against risks such as fire, flooding, and storm damage.
Explore Buildings Insurance →
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Contents insurance covers your personal belongings, furniture, appliances, and valuables if they’re damaged, destroyed, or stolen — both inside your home and, in some cases, outside it.
Explore Contents Insurance →
Buildings insurance covers the physical structure of your home — the walls, roof, floors, and permanent fixtures and fittings. It’s typically required by lenders when you have a mortgage and protects against damage that could be costly or impossible to repair without cover.
The main structure of your home — walls, roof, floors, ceilings, fitted kitchens and bathrooms, garages, and permanent outbuildings. Cover typically extends to fixtures that would stay if you moved.
Damage from fire, flood, storm, escape of water, subsidence, theft, vandalism, and falling trees. Policy wording varies between insurers, so understanding what’s included matters.
Sum insured should reflect the cost to rebuild your home, not its market value. Under-insuring can mean a claim isn’t paid in full, so we help you calculate this accurately.
Most mortgage lenders require buildings insurance to be in place before completion. We can arrange cover to start on the day you need it — including for leasehold properties where it may be covered by the freeholder.
Contents insurance covers your personal belongings — furniture, appliances, electronics, clothing, and valuables. It’s not legally required, but for most households the cost of replacing everything from scratch would be significant if the worst happened.
Furniture, appliances, electronics, clothing, kitchenware, and personal items. Generally anything you’d take with you if you moved is contents — anything that stays is buildings.
An estimate of what it would cost to replace all your contents as new. People typically underestimate — going room by room often reveals more value than expected.
Most policies cap individual items (e.g. jewellery, bikes, electronics) at a set amount unless declared separately. High-value items often need to be specified to be fully covered.
Some policies extend to belongings taken outside the home — phones, laptops, bikes, jewellery. Useful for commuters, students, and anyone regularly carrying valuables.
Why Choose ME
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We give advice on comprehensive insurance policies that are 5-star rated by Defaqto, giving you confidence that your cover offers strong protection and good value, not just the cheapest headline price.
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We take the time to understand your property, lifestyle, and priorities before recommending cover. That means your insurance is based on your circumstances, not assumptions, helping avoid gaps, unnecessary extras, or unsuitable policies.
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We make arranging insurance quick and straightforward. In many cases, we can pre-populate details using trusted insurance databases, reducing paperwork and saving you time, while still ensuring everything is set up correctly
me financial
No obligation, no jargon. Just clear, honest advice from an experienced adviser who puts you first.
Common Question
Finding the right cover is really important. It’s easy to get confused by all of the options online, here are some of the questions we are often asked
No. You’re free to arrange insurance through any provider. Our role is to help you understand your options and, if you choose, arrange suitable cover that meets your needs and any lender requirements. We’re equally happy to review an existing policy to check it’s appropriate.
Yes. Most mortgage lenders require buildings insurance to be in place from exchange of contracts to protect the property. While it doesn’t need to be arranged through your lender or through us, evidence of suitable cover is required to complete your mortgage.
The level of cover depends on factors such as the rebuild cost of your property, the value of your belongings, and how your home is used. We’ll help you assess realistic sums insured to avoid underinsurance or paying for unnecessary cover.
Buildings insurance covers the structure of your home and permanent fixtures, such as walls, roofs, kitchens, and bathrooms. Contents insurance covers your personal belongings inside the home, including furniture, electronics, clothing, and valuables. Many people choose combined cover for simplicity.
Premiums are influenced by factors such as your property type, location, claims history, level of cover, excess chosen, and any optional extras. Choosing a higher excess can reduce premiums, while additional features may increase the cost.
Insights
No obligation, no jargon. Just clear, honest advice
