Insurance
Buildings and contents insurance
Whole-of-market protection advice. We compare leading UK insurers to find the right cover at the right price.
Mortgage & Protection Adviser, Founder
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Buildings and contents insurance
A lot of time, money and thought goes into making a house a home. But, that doesn’t mean your home is just bricks and belongings. It’s the place you live, sleep, relax and spend time as a family. It’s the centre of your day-to-day life, housing personal belongings, as well as memories. It’s not something you want to be without, but life has a funny way of throwing curveballs into the mix. If something happened to the structure of your property and everything else, you don’t want the financial strain of replacing everything, on top of the stress and upset. This is why getting buildings and contents insurance is a good idea.
At Everest Mortgage, we’re to guide you through the home insurance process. Whether you own a house, flat or investment property, getting the right protection in place can save you from costly repairs or losses in the future.
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What does home insurance cover?
There are two types of home insurance; buildings insurance and contents insurance.
You can buy them separately or combine them into one policy, which is where joint building and contents insurance come in. This insurance helps to protect both the structure of your property and everything inside it, ensuring you’re covered against unexpected events.
We compare policies from leading UK insurers, including…
Building insurance vs. contents insurance
Buildings insurance protects the physical structure of your home and anything permanently attached to it. It includes walls, floors, ceiling, roof, windows, fitted kitchens, built-in appliances, bathroom fixtures, pipes and drains. Some policies also include garages, sheds and outbuildings. If your property were damaged by fire, storm, flood, subsidence or even accidental structural damage, buildings insurance helps cover repair or rebuild costs.
Contents insurance protects the items you keep inside your home, meaning everything you could reasonably take with you if you moved. This includes furniture, soft furnishings, carpets, rugs, home appliances, electronics, clothing, personal possessions, jewellery, valuables and household items. Cover applies to you and anyone else named on the policy who lives in the home.
Contents insurance can also protect against theft, accidental damage, fire and smoke damage, flooding and electrical surges. Some policies even cover items taken outside the home, such as laptops, phones or bikes.
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Combined buildings and contents insurance
Many homeowners choose to take out a combined home insurance policy, which protects both the structure of the property and everything in it. By opting for building and contents insurance, you’re likely to find it’s cheaper than buying two separate policies. You also only have to deal with one insurer, one renewal date and one monthly payment. You can relax, knowing that everything inside your home and your home itself is protected.
At Everest Mortgages, we understand that every home and household is different. This is why we help you to choose home insurance that reflects your property type, location and the value of your belongings. Whether you’re a first time buyer, a landlord or simply reviewing your existing cover, we can help you to compare policies and find the right one for you.
John Everest
Mortgage & Protection Adviser, Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
- 15-minute call, no commitment
- Whole-of-market, FCA regulated
- Clarity and confidence in your next move
14+
Years experience
1,000+
Mortgages arranged
Trusted protection advice
Why choose Everest Mortgages?
Independent protection advice that puts your family first, with cover built around your home, your health and your budget.
Cover that fits your life
Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.
We compare leading UK insurers
We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.
Help with medical conditions
A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.
Policies written in trust
We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.
We handle the paperwork
From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.
Free consultation
Ready to protect your home family?
Get in touch today and one of our qualified advisors will be in touch to guide you through your options.
Free, no-obligation advice
No cost to speak with a qualified adviser.
No credit checks
Your credit score won't be affected.
Fast response
We aim to get back to you within 2 hours.
FCA regulated
Fully authorised and regulated by the FCA.