Building & Contents Insurance

Buildings and Contents Insurance – Protect Your Home Inside and Out

Whether you're a homeowner or a tenant, protecting your property and belongings is crucial. Buildings and Contents Insurance provides comprehensive cover to safeguard both the structure of your home and the valuables inside. At Oadby Mortgages, we’re here to help you find the right insurance policy to protect your home and your possessions from the unexpected.

What is Buildings and Contents Insurance?

Buildings Insurance covers the structure of your property, including the walls, roof, floors, windows, and built-in fixtures like bathrooms and kitchens. It protects against events such as fire, flood, storm damage, or vandalism.


Contents Insurance covers your personal belongings inside the home, such as furniture, electronics, clothing, and valuables. It can protect against risks such as theft, fire, water damage, or even accidental damage.

Both policies can be taken separately or as a combined policy, depending on your needs and the level of protection you want for your home.

Buildings insurance is designed to protect the structure of your home and any permanent fixtures. It typically covers:


  • Damage to the Structure: This includes protection for your home against fire, floods, storms, and other unexpected events that could cause structural damage.


  • Repairs and Rebuilding: If your property is damaged or destroyed, buildings insurance will cover the cost of repairs or rebuilding your home to its original state.


  • Outbuildings and Garage: Many policies also cover structures like garages, sheds, or garden buildings that are attached or located near your home.


  • Alternative Accommodation: If your home is uninhabitable due to damage, buildings insurance may cover the cost of temporary accommodation while repairs are made.

Contents Insurance – What’s Covered?

Contents insurance covers your personal belongings and possessions inside your home. It includes:


  • Furniture and Appliances: Protects items like sofas, beds, washing machines, fridges, and more against accidental damage, theft, or fire.


  • Electronics and Valuables: Covers gadgets, computers, televisions, and any high-value items like jewellery, artwork, or collectibles.


  • Personal Items: Items like clothing, books, and personal documents are covered, even if they’re accidentally damaged or lost.


  • Theft and Vandalism: If your home is broken into, contents insurance will typically cover the cost of replacing stolen items or repairing damage caused by intruders.
  • Financial Protection: Without buildings and contents insurance, you could be left financially vulnerable if the unexpected happens, such as a fire or break-in.


  • Peace of Mind: Knowing that both the structure of your home and your possessions are protected allows you to relax and enjoy your home.


  • Legal Requirement for Mortgages: Most mortgage lenders require you to have buildings insurance to protect their investment in your property.



  • Comprehensive Coverage: By combining buildings and contents insurance, you can protect your home and everything inside it under one policy, giving you more convenience and potentially better value.

How We Can Help You Find the Right Policy

  • At Oadby Mortgages, we’re dedicated to helping you find the perfect buildings and contents insurance policy. We’ll guide you through the different options available, ensuring you have the right level of cover for your property and belongings.


  • Expert Advice: Our team will explain the different types of insurance and help you choose the right cover for your needs.


  • Tailored Solutions: Whether you need comprehensive cover or just basic protection, we’ll help you find an affordable policy that meets your requirements.



  • Hassle-Free Claims: In the event of a claim, we’ll ensure the process is as simple as possible, supporting you every step of the way.

How to Get Started

  • Assess Your Needs: Consider what’s important to you—whether it's ensuring your home is protected against structural damage, safeguarding your personal belongings, or both.


  • Get a Quote: Contact us for a quote and to learn more about the different coverage options available.


  • Choose Your Cover: Based on your needs, we’ll help you select a policy with the right coverage and excess to fit your home and budget.


  • Get Covered: Once you’ve selected the right policy, we’ll get you covered so you have full protection in place.