Personal Lines Insurance

Buildings & Contents InsuranceCombined

Comprehensive combined protection for your home and everything in it. Buildings and contents insurance in one convenient policy, protecting both your property investment and personal belongings with flexible coverage options.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Buildings & Contents Insurance Cover?

Combined buildings and contents insurance provides comprehensive protection for your home and possessions. The exact coverage depends on your policy, but may include:

Buildings Cover

Protection for the structure of your home including walls, roof, fitted kitchens, bathrooms, permanent fixtures, and external structures against fire, flood, storm, subsidence, theft, and vandalism.

Contents Cover

Protection for your personal belongings including furniture, electronics, clothing, books, and household items against theft, damage, and loss.

Personal Liability

Protection if you accidentally injure someone or damage their property. Typically covers up to £1m-£2m in liability costs.

Home Emergency Assistance

24/7 emergency support for urgent repairs including burst pipes, broken locks, heating failures, electrical problems, and broken windows.

Accidental Damage Cover

Optional protection for accidental damage to buildings and contents, such as broken windows, damaged furniture, or appliance breakdowns.

Specified Items Protection

Enhanced cover for high-value items like jewellery, art, antiques, or electronics that may exceed standard contents limits.

Alternative Accommodation

Cover for temporary accommodation, storage, and associated costs if your home becomes uninhabitable due to an insured event.

Subsidence & Ground Heave

Protection against damage caused by subsidence, ground heave, or landslip to the structure of your home.

Locks & Keys Replacement

Cover for the cost of replacing locks and keys if they are lost, stolen, or damaged.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Complete Home Protection

Buildings and contents cover combined in one policy for seamless, comprehensive protection.

Expert Guidance

Personal advice from experienced advisors to ensure you have the right level of cover.

24/7 Emergency Support

Round-the-clock assistance for emergencies and claims support when you need it most.

Flexible & Customisable

Tailor your coverage with optional extras and adjust limits to match your specific needs.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Homeowners wanting comprehensive combined protection
Property owners with mortgages (often required by lenders)
Families with valuable possessions requiring enhanced coverage
Anyone concerned about specific risks like subsidence or flood
Property owners wanting emergency home repair assistance
Those seeking flexible coverage options and customisation

What We'll Need for Your Quote

1
Property address and postcode
2
Property type (detached, semi-detached, terraced, flat, etc.)
3
Year of construction and construction type
4
Rebuild value of the property
5
Estimated total value of contents
6
Number of bedrooms and bathrooms
7
Security features (locks, alarms, CCTV, etc.)
8
Any previous claims in the last 5 years
9
Occupancy status (owner-occupied, buy-to-let, etc.)

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Common Questions

Quick answers to frequently asked questions about this insurance

What is the difference between buildings and contents insurance?How do I calculate the rebuild cost for buildings insurance?What is subsidence and is it covered by buildings insurance?Does buildings insurance cover home improvements?What happens if I underinsure my contents?

View all FAQs

Frequently Asked Questions

What's included in buildings cover?

Buildings cover protects the structure of your home including walls, roof, fitted kitchens, bathrooms, permanent fixtures, and external structures. It typically covers damage from fire, flood, storm, subsidence, theft, and vandalism.

What's included in contents cover?

Contents cover protects your personal belongings including furniture, electronics, clothing, books, and household items. It covers damage, theft, and loss of these items.

Can I adjust my coverage limits?

Yes, you can typically adjust your buildings rebuild value and contents sum insured to match your specific needs. We'll help you calculate appropriate limits.

Is accidental damage cover included?

Accidental damage cover is usually an optional extra. It protects against accidental damage not covered by standard policies, such as broken windows or damaged furniture.

What if I have high-value items?

You can specify high-value items like jewellery, art, or antiques separately for enhanced coverage. These items may have limits under standard contents cover.

How do I know what rebuild value to use?

Rebuild value is the cost to rebuild your home from scratch if it were completely destroyed. It's different from market value. We can provide guidance on calculating this accurately.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.