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.
FAQs
for
Home
Insurance
What is home insurance?
Home insurance is designed to protect your property and belongings against risks such as fire, flood, theft, and accidental damage. It usually includes buildings insurance, contents insurance, or a combination of both.
What is the difference between buildings insurance and contents insurance?
Buildings insurance covers the structure of your home, including walls, roof, and permanent fixtures. Contents insurance covers your personal belongings, such as furniture, electronics, and clothing.
Is home insurance compulsory?
Home insurance is not legally required. However, most mortgage lenders require buildings insurance as a condition of the mortgage to protect their security over the property.
Do I need home insurance if I own my property outright?
It is not compulsory if you own your property outright, but many homeowners still choose home insurance to protect against unexpected repair costs or loss of belongings.
Does home insurance cover accidental damage?
Accidental damage cover is often optional. It can cover unexpected incidents such as spills, breakages, or damage caused by children or pets, depending on the policy terms.
What does buildings insurance typically cover?
Buildings insurance usually covers damage to the structure of your home caused by risks such as fire, storm, flood, subsidence, or vandalism. Policy details vary by insurer.
What does contents insurance typically cover?
Contents insurance generally covers your personal belongings against theft, fire, and damage. Some policies also include cover for items taken outside the home, subject to limits.
Do I need home insurance for a buy-to-let property?
Yes. Landlords typically require specialist landlord insurance rather than standard home insurance, as it offers cover suited to rented properties and tenant-related risks.
Can I get home insurance if my property is unusual?
Yes. Some insurers offer cover for non-standard or unusual properties, such as listed buildings, thatched roofs, or homes with previous claims history. Availability may be more limited.
How is the rebuild value of a property calculated?
The rebuild value reflects the cost of rebuilding your home from scratch, not its market value. It is often based on factors such as size, construction type, and materials.
Can I change or cancel my home insurance policy?
Yes. Most home insurance policies can be amended or cancelled, although cancellation fees or charges may apply depending on the insurer and timing.
