What is buildings and contents insurance?

Buildings and contents insurance are two types of insurance commonly used to protect your property and belongings or business premises and assets. They can be purchased separately or often together as a combined policy. Buildings Insurance: This covers the structure of your home or business premises and its permanent fixtures and fittings, such as walls, roofs, floors, bathrooms, and fitted kitchens. It is designed to protect against damage from events like fire, storm, flood, theft, and subsidence. If you own your home, particularly if you have a mortgage, buildings insurance is usually a requirement. For leaseholders, the building insurance is often arranged by the freeholder or management company. Contents Insurance: This covers the personal belongings and household items within your home, such as furniture, appliances, clothing, and electronics. For a business, it protects your equipment, machinery, stock and inventory. It protects against loss or damage due to theft, fire, flooding, and other risks. While not legally required, it is highly recommended to protect your possessions and assets.

Who needs buildings and contents insurance?

Buildings and contents insurance is recommended for both individuals and businesses to help them protect their property and assets. Individuals Homeowners: Need buildings insurance to protect the structure of their home (often a mortgage requirement) and contents insurance to cover their personal belongings. Renters: Generally only need contents insurance to protect their personal possessions, as the building itself is the landlord's responsibility. Landlords: Require buildings insurance for their rental property. They may also need contents insurance if the property is furnished. Businesses Property Owners: Similar to homeowners, businesses that own their premises need buildings insurance to protect against damage to the physical structure. Businesses with Physical Assets: Require contents insurance to cover office equipment, machinery, inventory, and other business assets against theft, damage, or loss. Home-Based Businesses: May need additional or specialized contents insurance to cover business-related equipment and assets. In both cases, the need for buildings and contents insurance depends on property ownership and the value of the property and possessions at risk.

What types of buildings and contents insurance are available?

Buildings and contents insurance is available for both individuals and businesses. What is covered will depend upon the requirements of the person or buisness. Individuals Standard Buildings Insurance: Covers repair or rebuilding costs for your home due to damage from events like fire, flood, and theft. Standard Contents Insurance: Protects personal belongings in your home against theft, loss, or damage. Combined Buildings and Contents Insurance: A comprehensive package covering both the home structure and personal belongings. Accidental Damage Cover: Optional add-on for unintentional damage to the building or contents. Personal Possessions Cover: Extends contents insurance to items taken outside the home. Tenant's Insurance: Focused on contents insurance for renters, sometimes including liability coverage. Unoccupied Property Insurance: For homes that will be empty for extended periods. High-Value Home Insurance: For homes with high rebuild costs and valuable contents, including fine art and antiques. Businesses Commercial Buildings Insurance: Covers the business premises against risks like fire, flood, and vandalism. Business Contents Insurance: Protects against damage or loss of business assets like equipment, furniture, and inventory. Combined Commercial Property Insurance: Covers both the business premises and its contents. Business Interruption Insurance: Compensates for lost income and additional expenses during periods when the business cannot operate normally due to insured damage to the property. Public Liability Insurance: Though not strictly contents insurance, it's crucial for businesses to protect against claims made by third parties for injuries or damage. Landlord Insurance: For commercial property owners, covering the building and potentially including liability and loss of rent coverage. Both individuals and businesses need to choose the right type and level of insurance based on their specific circumstances, such as the value of the property and contents, the nature of their activities, and their risk exposure.

Can anyone take out buildings and contents insurance?

Buildings and contents insurance is available to both individuals and businesses. However, which insurance policy should be taken out depends upon your circumstances, as not all buildings and contents policies are suitable for everyone. Individuals Homeowners: Can take out both buildings and contents insurance. The ability to get insurance and the cost can be influenced by factors like the location of the home, its age and condition, and the individual's claims history. Renters: Can take out contents insurance to cover their personal belongings. The building itself is usually the responsibility of the landlord. Landlords: Can take out buildings insurance for their rental properties and contents insurance if the property is furnished. Businesses Business Owners with Physical Premises: Can take out buildings insurance to protect their business premises and contents insurance for their business assets, such as equipment, furniture, and stock. Home-Based Businesses: May need to take out specific insurance policies that cover business-related assets, which might not be covered under standard home insurance policies. To ensure you find the right buildings and contents insurance policy, contact Swindon-based MMB Finance for independent, personal buildings and contents insurance advice.

Secure Your Home with 5-Star Defaqto Rated Insurance for Buildings and Contents protection

Your home is probably the most valuable thing you own, and you’ve likely spent years saving up for it. Having the right cover gives you the comfort of knowing your home can be repaired or rebuilt should something sudden or unexpected happen. With our Home insurance, you can choose to cover your buildings and/or contents and tailor your insurance to meet your specific needs. MMB Finance has over 30 years of insurance experience. During this time we as independent insurance brokers, we understand that your home and property is more than just a pivotal part of your life.

MMB Finance – Your Personal Buildings and Contents Insurance Adviser In Swindon

We've partnered with Defaqto - the UK's leading independent financial research company to provide you with 5 Star rated Home Insurance.. so we can help to protect you with the best protection tailed to you needs.

BUILDINGS & CONTENTS COVER. With comprehensive protection with a high level of features and benefits.

LANDLORDS INSURANCE. It's not just a rental property it's an investment for your future.

RENT PROTECTION. Rent protection insurance - protecting income when the tenant fails to pay.

TENANTS CONTENTS INSURANCE. Contents Insurance designed around the needs of renters.

Buildings & Contents Insurance Enquiry

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Understanding Buildings and Contents Insurance

Your home is probably the most valuable thing you own, and you’ve likely spent years saving up for it. Having the right cover gives you the comfort of knowing your home can be repaired or rebuilt should something sudden or unexpected happen. With our Home insurance, you can choose to cover your buildings and/or contents and tailor your insurance to meet your specific needs. MMB Finance has over 30 years of insurance experience. During this time we have built relationships with insurers and partners to create insurance products which go beyond what's expected to help ensure your peace of mind.

Buildings Insurance Explained

As a homeowner or soon-to-be homeowner, it's important that you're covered against the unexpected. Getting the right buildings insurance is vital to protect not just your building, but yourself, your family and home from a variety of situations, it's much more than bricks and mortar, it's the place you call home.

Insurance cover options include just the building, just your contents or combine them both. We are on hand to help with any questions about our Home Insurance or changes you’d like to make to your policy.

The coverage usually extends to damage caused by a range of events, including but not limited to:

Contents Insurance Explained

Fire, smoke and explosions

Storms, floods and natural disasters

Theft or attempted theft, leading to structural damage

Vandalism

Water damage from leaking pipes

Subsidence (the gradual sinking of land causing the building to sink)

Whilst building insurance covers the structure, contents insurance is all about protecting the items inside your property. This includes furniture, electronic goods, clothing, and personal belongings. Your belongings make a house a home. Each insurer is chosen to help us offer insurance for a wide range of properties at competitive prices.

Theft or burglary

Fire and smoke damage

Water damage, such as burst pipes

Vandalism

Storm or flood damage affecting belongings

Combined Coverage for Comprehensive Protection

Additional Buildings and Contents Insurance Coverage Options

Although buildings and contents insurance can be purchased separately, combining them offers a more comprehensive protection strategy. This approach ensures that both the structure of your property and the belongings within it are safeguarded against a wide range of risks. For homeowners, this means peace of mind knowing that their home and its contents are protected.

At MMB Finance, we understand that every property and its contents are unique. That is why we offer personalised advice to help you determine the right level of coverage for your specific needs. Whether you are insuring a family home, a rental property, or a business facility, we work with you to tailor a policy that provides the protection you need, considering factors like the value of your property, the nature of your belongings, and your specific risk factors.

Whilst standard buildings and contents insurance policies provide a solid foundation of protection, many individuals and businesses in Swindon require additional coverage options to fully safeguard their properties and possessions. These additional options can be important in providing complete peace of mind and financial security. MMB Finance offers advice for a range of supplementary coverage options to ensure that your insurance policy meets all your specific needs.

Accidental Damage Cover

Accidental damage cover is one of the most popular additional options. It extends your policy to include damage caused unintentionally, such as spilling wine on a carpet or a child breaking a window while playing.

Legal Expenses Insurance

Legal expenses insurance can be a valuable addition, providing coverage for legal costs associated with property disputes, employment disputes, or contract disputes. This coverage is particularly beneficial for businesses that may face legal challenges and need financial support to cover legal fees.

Home Emergency Cover

Home emergency cover is designed to help homeowners deal with emergencies, which require immediate attention, such as a broken boiler, burst pipes, or a compromised security system. This coverage typically includes the cost of call-outs, labour, and materials for emergency repairs.

Personal Possessions Cover Outside The Home

For individuals, extending contents insurance to include personal possessions cover outside the home can be beneficial. This covers items like phones, laptops, and cameras when you are away your home in Swindon, providing protection against loss, theft, or damage.

Increased Cover for High-Value Items

Both individuals and businesses may have high-value items, which exceed the standard limits of a typical policy. Additional coverage can be arranged for expensive items such as jewellery, art, antiques, or specialised business equipment.

01793 524 444

More about Landlord's Insurance

Landlord's Insurance specifically designed to offer protection for Landlord's is designed around the specialist needs of landlords. We're passionate about offering market-leading cover and a range of optional extras for those with rental properties to tailor their insurance to meet their needs.

Rent Protection provides extra support for private landlords and letting agents

We understand the importance of receiving rental payments in full and on-time. Whether you're a private landlord looking to protect your rental income or a letting agent looking to provide extra support to your clients, we've got you covered.

You never know what’s around the corner

Even the best tenants can find themselves in financial difficulty. For example, suddenly being made redundant or experiencing a long-term illness could leave a tenant unable to keep up with their outgoings.

Extra legal support as standard

We include legal expenses cover as standard to cover the legal fees needed to evict the tenant and regain vacant possession of the property if an unfortunate situation arises.

Peace of mind

Thanks to Rent Protection, landlords and letting agents are guaranteed to receive rent if the tenant fails to pay. This helps to protect the income usually received from tenants and ensure nobody is left out of pocket or unable to make mortgage payments.

Along with 5 Star Defaqto rated insurance, there's an option to also include accidental damage insurance, tenant's legal expenses and worldwide belongings cover for additional peace of mind.

01793 524 444

Contents Insurance for tenant's

Tenant's Contents Insurance specifically designed to offer protection for those living in rented accommodation. Amongst a whole host of benefits, it offers liability insurance as standard meaning tenants are also protected in the event of any accidental damage to their landlord's property.

Discover the ultimate peace of mind, tailored specifically for those in rented homes. Tenant's Contents Insurance is taken out on a rolling subscription basis. This gives tenants flexibility as they aren't tied into an annual contract.

With a 5 Star Defaqto rating, our insurance excellence is clear. Opt for additional layers of security with options for accidental damage cover, legal expenses, for your possessions.

01793 524 444

What Makes MMB Finance's Buildings and Contents Insurance Services Unique In Swindon?

Face-to-Face Service

Another advantage of being independent and our long experience as financial advisers is that we are able to provide you with a full range of financial services, including mortgages, second charge loans, buy-to-let mortgages, life insurance, family protection insurance, buildings and contents insurance, estate planning, will writing and personal finance planning, amongst others.

This means that we are able to advise you on your entire financial position, rather than only specific parts. This could help you save cost, in the long-term, by ensuring you have the right financial services for your circumstances.

No Fees For Buildings and Contents Insurance Advice

We charge no fees^* for our Buildings and Contents Insurance advice to you, which means our advice is effectively free!

Most Buildings and Contents Insurance advisers, such as estate agents and other businesses offering Buildings and Contents Insurance usually charge a broker's fee on top of the commission they receive from the lender. You can be assured that you will not be charged such fees by us.

^* Please note that the exception to this is where we are dealing with a complex case, when fees will be discussed and agreed in advance.

Local Knowledge & Experience

We tend to concentrate on working locally, within a 40 mile radius of Swindon (Gloucester, Cheltenham, Bristol, Bath, Cirencester, Oxford, Reading) and have strong ties to Swindon and its surrounding regions. Many of our loyal clients have been with us for over 25 years and we regularly review and update their financial plans. Our reputation is strong, as is our customer satisfaction, with many positive reviews from previous clients.

Our local knowledge brings experience of the local market and its trends. This crucial information can make a difference to the advice given to you, as local influences can be very different to national trends. Therefore, our local knowledge is used to make sure you have sound financial advice to give you the financial services which are best for you.

100% Independent Buildings and Contents Insurance Broker

MMB Finance has been a leading independent Buildings and Contents Insurance brokerage in Swindon since 1996 and has over 35 years of industry experience. Being independent means we are not tied to any bank, building society or lender of any type. Consequently, you can be assured that you will always receive objective Buildings and Contents Insurance advice, which is suited to your personal situation.

Furthermore, being an independent Buildings and Contents Insurance broker, we have access to any lender, bank or building society in the UK, which gives you access to the best possible Buildings and Contents Insurance product for your needs.

Full Range of Financial Services

In this age of online communication, all too many financial advisers never actually meet their clients to discuss the best solutions for them. At MMB Finance, we pride ourselves on working on a face-to-face basis wherever possible to discuss your finances in a friendly and relaxed way in your own home or office. Our Buildings and Contents Insurance advice is tailored to your personal circumstances and goals, so it makes sense to meet in-person so that all aspects of your finances are taken into account when advising you on your Buildings and Contents Insurance.

Frequently Asked Questions About Buildings and Contents Insurance

Buildings and contents insurance are two types of insurance commonly used to protect your property and belongings or business premises and assets. They can be purchased separately or often together as a combined policy.

Buildings Insurance: This covers the structure of your home or business premises and its permanent fixtures and fittings, such as walls, roofs, floors, bathrooms, and fitted kitchens. It is designed to protect against damage from events like fire, storm, flood, theft, and subsidence. If you own your home, particularly if you have a mortgage, buildings insurance is usually a requirement. For leaseholders, the building insurance is often arranged by the freeholder or management company.
Contents Insurance: This covers the personal belongings and household items within your home, such as furniture, appliances, clothing, and electronics. For a business, it protects your equipment, machinery, stock and inventory. It protects against loss or damage due to theft, fire, flooding, and other risks. While not legally required, it is highly recommended to protect your possessions and assets.

Buildings and contents insurance is recommended for both individuals and businesses to help them protect their property and assets.

Individuals

Homeowners: Need buildings insurance to protect the structure of their home (often a mortgage requirement) and contents insurance to cover their personal belongings.
Renters: Generally only need contents insurance to protect their personal possessions, as the building itself is the landlord's responsibility.
Landlords: Require buildings insurance for their rental property. They may also need contents insurance if the property is furnished.

Buildings and contents insurance is available for both individuals and Landlord's even Tenants.

Individuals

Standard Buildings Insurance: Covers repair or rebuilding costs for your home due to damage from events like fire, flood, and theft.
Standard Contents Insurance: Protects personal belongings in your home against theft, loss, or damage.
Combined Buildings and Contents Insurance: A comprehensive package covering both the home structure and personal belongings.
Accidental Damage Cover: Optional add-on for unintentional damage to the building or contents.
Personal Possessions Cover: Extends contents insurance to items taken outside the home.
Tenant's Insurance: Focused on contents insurance for renters, sometimes including liability coverage.
Unoccupied Property Insurance: For homes that will be empty for extended periods.
High-Value Home Insurance: For homes with high rebuild costs and valuable contents, including fine art and antiques.
Landlord Insurance: For commercial property owners, covering the building and potentially including liability and loss of rent coverage.

Both individuals and Landlord's need to choose the right type and level of insurance based on their specific circumstances, such as the value of the property and contents, the nature of their activities, and their risk exposure.

Buildings and contents insurance is available everyone who owns a property or is currently rented accommodation. However, which insurance policy should be taken out depends upon your circumstances, as not all buildings and contents policies are suitable for everyone.

Individuals

Homeowners: Can take out both buildings and contents insurance. The ability to get insurance and the cost can be influenced by factors like the location of the home, its age and condition, and the individual's claims history.
Renters: Can take out contents insurance to cover their personal belongings. The building itself is usually the responsibility of the landlord.
Landlords: Can take out buildings insurance for their rental properties and contents insurance if the property is furnished.

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