Buildings and Contents Insurance

Buildings and Contents Insurance

Your home is a significant investment, and insuring it is essential. All mortgage lenders require buildings insurance to protect against risks like fire. Contents insurance is equally important to safeguard your personal belongings.

Buildings and Contents Insurance

"Tony made insuring my home simple and ensured I had the best coverage. Highly recommend!"

Margaret M.
★★★★★

"True Advice provided clear, effective advice and secured excellent coverage for me."

Hamish F.
★★★★★

Comprehensive Buildings and Contents Protection

Buildings and contents insurance provides complete coverage for your home and possessions, safeguarding against unexpected events like fires or floods. Without contents insurance, a disaster could leave you without compensation for personal items like furniture or electronics.

Assessing Your Insurance Needs

Every home is unique, requiring tailored insurance. Buildings insurance typically covers the reinstatement value, but material costs fluctuate. Our Defaqto 5-star rated insurers, part of the Uinsure panel, offer coverage exceeding reinstatement value, ensuring full protection. Compare our offerings using the Uinsure comparison tool.

Premium Quality at Competitive Prices

Quality insurance doesn’t mean high costs. Our 5-star rated products are competitively priced, often matching or beating existing policies. Prioritizing comprehensive coverage ensures your home is fully protected without compromising on quality.

Additional Insurance Options

Beyond buildings and contents, consider life insurance, family income benefit, income protection, or key person cover. Finder statistics show declining insurance uptake, with 42% of mortgage holders lacking life cover, risking financial strain. Comprehensive insurance is critical.

Our Advisory Process

Whether you’re reviewing existing policies or insuring a new property, we provide free, no-obligation advice using our 5-star panel. Our quotes often beat existing prices while offering superior coverage.

Free, Expert Advice

Our buildings and contents insurance advice is completely free. We encourage comparing quotes to ensure we remain market leaders in quality and price. Contact us via our enquiry form to discuss your needs. We also offer advice on pensions, investments, and mortgages.

Frequently Asked Questions

What is the difference between buildings and contents insurance?
Buildings insurance covers your home’s structure (walls, roof, fixtures), while contents insurance protects personal belongings (furniture, electronics, jewellery).
Can I insure only contents or only the building?
Yes, you can choose separate buildings or contents coverage based on whether you own or rent. Combined policies are often more cost-effective.
How do I avoid underinsurance?
Underinsurance is common when rebuild or contents values are underestimated. Our Defaqto 5-star insurers provide coverage exceeding reinstatement value.
What mistakes can void my policy?
Errors like not reporting renovations, leaving your home unoccupied, or undervaluing items can void claims. We guide you to avoid these issues.
Do premiums vary by location?
Yes, premiums depend on factors like flood risk, property age, and security features. We tailor policies to your specific circumstances.
Can you assist self-employed clients?
Yes, we provide tailored advice for self-employed individuals and homeowners, ensuring coverage aligns with income and asset needs.

How to Arrange Insurance with True Advice

  1. Initial Consultation

    Contact us by phone or via our enquiry form to discuss your home, contents, and existing policies.

  2. Needs Assessment

    We evaluate your insurance needs, including specific belongings, to recommend the best coverage options.

  3. Policy Recommendation

    Choose between combined or separate policies, with clear explanations of coverage types and competitive quotes.

  4. Transparent Quoting

    Receive a detailed quote outlining premiums, excesses, and inclusions/exclusions, with no hidden surprises.

  5. Policy Setup

    We arrange your policy, assist with payment options, and confirm immediate coverage upon approval.

  6. Annual Review

    We review your policy yearly to adjust for changes in property value or personal circumstances.

Ongoing Support

True Advice assists with claims, policy updates, and insurer communication, ensuring seamless support when you need it.

Regulatory Statements

Equity Release

Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.

Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.

Investments

All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.

Our services relate to certain investments whose prices are dependant on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.

Mortgages

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buy to Let Mortgages

Some Buy to Let Mortgages are not regulated by the FCA.

True Advice Financial Services is a trading style of TA and SE Hollom Ltd (FCA 461206) which is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority : Number 460421.

Registered Office : New Leaf Distribution Limited, 165 - 167 High Street, Rayleigh, Essex, SS6 7QA.

Complaints Procedure

As an Appointed Representative of New Leaf Distribution Limited, we aim to provide you with a high standard of service. If you are unhappy with any aspect of our service, please let us know.

We will acknowledge your complaint promptly and aim to resolve it within 8 weeks.
If you remain dissatisfied, you have the right to refer your complaint to the Financial Ombudsman Service (FOS):