Your home is your safe place — the space you’ve built, decorated, and made your own. We’ll help you protect it, along with the things inside it, so you can feel secure no matter what life throws your way.
Why This Cover Matters
Our homes are more than bricks and mortar. They’re where we relax, raise families, and create memories. We put time, money, and love into them — but some things are simply beyond our control.
Storm damage, an unexpected leak, a break-in, or even a small accident can cause stress and disruption. Buildings and Contents Insurance can’t take away that hassle, but it does give you peace of mind that you won’t be left on your own to deal with the cost.
And if you’ve got a mortgage, your lender will usually require buildings insurance as a minimum. That way the structure of your property is protected against things like fire, flood, theft, or malicious damage.
What's Actually Covered?
Buildings Insurance
This is all about the physical structure of your home. That means:
Walls, roof, and floors
Permanent fixtures like your kitchen and bathroom
Outbuildings such as your garage or shed
Contents Insurance
This covers the things you’d take with you if you moved — furniture, clothes, appliances, gadgets, jewellery and more. You can also add cover for items you carry outside the home, such as phones, laptops, or bikes.
Optional Extras
You can make your policy go further with:
Accidental damage cover – for those little mishaps that happen at home.
Legal expenses cover – if you ever face an unexpected dispute.
Home emergency cover – to get urgent help when you need it.
Extended personal possessions cover – for items you regularly use away from home.
How it Works
1
Get a Quote
It’s quick and straightforward.
2
Pick your Cover
Choose the right level of protection for you.
3
Rest easy
With cover in place, you know you’re protected.
a smart choice
Why Choose Bright Money Independent?
Over 200 years of combined commercial experience in-house
We'll guide you through the process
We speak human – plain-English advice and quick answers
Over 520 5-Star Reviews
Insurance doesn’t have to be complicated.
If you’re not sure what you need, we’ll happily talk it through with you — no jargon, no pressure.
Let's Get It Sorted
Ask us about Buildings or Contents insurance. We’re here to help.
