Buildings & Contents Insurance
At Mortgage & Finance Brokers (MFB), we help you protect what matters most – your home and everything inside it. Whether you’re a homeowner or landlord, buildings and contents insurance is essential to safeguard your property and personal belongings from unexpected events.
Buildings Insurance
Buildings insurance covers the cost of repairing or rebuilding the structure of your home following damage. This includes:
- Roof, walls, ceilings, floors, doors, and windows
- Permanent fixtures such as kitchens and bathrooms
- Garages, fences, and outbuildings
- Pipes, cables, drains, and underground tanks (from your home to the mains)
- Interior fittings and decorative features
Your policy should reflect the full rebuild cost, not just the market value. This includes demolition, site clearance, and professional fees (e.g. architects and surveyors).
Typical events covered include:
- Fire and explosion
- Storms, flooding, and lightning
- Earthquakes
- Theft or attempted break-ins
- Vandalism and malicious damage
- Burst pipes and water leaks
- Falling trees, lampposts, or aerials
- Vehicle or aircraft impact
- Subsidence or ground movement
Many policies also include temporary accommodation costs if your home becomes uninhabitable during repairs.
You can also add accidental damage cover for incidents such as a broken window or damage caused during DIY. If you own the property, your policy may also include liability cover in case someone is injured on your property or their belongings are damaged while visiting.
Contents Insurance
Contents insurance protects your personal possessions inside the home, including:
- Furniture, electronics, and appliances
- Clothing, jewellery, and valuables
- Soft furnishings and decor
- Home office equipment and personal items
Some policies also offer limited cover for items outside the home, such as mobile phones or laptops taken with you.
Whether you’re renting or own your home, contents insurance ensures you’re financially protected in the event of theft, fire, flood, or accidental damage – so you can replace your belongings without added stress.