Buildings & Contents Insurance
Protect Your Home and Everything Inside It
Your home is one of your most valuable assets, and safeguarding it against unexpected events is essential. Buildings & Contents Insurance provides financial protection for both the structure of your property and your personal belongings.
At Blue Sky Mortgages, we offer independent, whole-of-market advice to help you find reliable, affordable cover that suits your needs.
Clear, tailored guidance for home insurance
As independent, whole-of-market advisers, we’re not tied to any insurer or provider, meaning the home insurance guidance you receive is completely impartial and focused solely on what’s right for your property and circumstances.
We compare policy types, premiums, cover limits and key features across a wide range of insurers, explaining everything clearly so you understand how each option works and what it protects — from the structure of your home to the belongings inside it.
Our aim is to make arranging Buildings & Contents Insurance simple, transparent and fully tailored, giving you clarity, reassurance and confidence that your home and possessions are properly protected.
Independent protection advice
Whole-of-market access
No complicated jargon
Friendly, efficient advisers
In person, online or phone
What Is Buildings & Contents Insurance?
Buildings & Contents Insurance protects both your home and the belongings inside it. Buildings Insurance covers the structure of your property — including the walls, roof, floors, windows, kitchens and bathrooms — against risks such as fire, flood, storm damage and subsidence. Contents Insurance protects your personal possessions, from furniture and appliances to clothing, electronics and valuables, against theft, loss or accidental damage. Together, they provide essential financial security, ensuring your home and everything in it are properly protected.
Protecting Your Home and Contents
Buildings Insurance May Cover:
- Fire, smoke and explosion
- Flooding and storm damage
- Burst pipes and water leaks
- Subsidence (depending on provider)
- Impact damage from vehicles or trees
- Theft, vandalism and accidental damage (optional)
Contents Insurance May Cover:
- Theft, loss or damage to belongings
- Fire, flood or storm damage
- Accidental damage (optional)
- Personal items away from home (with additional cover)
- High-value items such as jewellery or electronics
We compare a range of policies to help you select the level of cover that suits your home and lifestyle.
Buildings & Contents Insurance protects both your property and possessions, giving you financial security if they’re damaged, stolen or destroyed.
Whole-of-market access to an extensive range of insurance products.
FAQ
Your Buildings & Contents Insurance Questions Answered
Buildings & Contents Insurance protects your home and the belongings inside it. Buildings Insurance covers the structure of your property, while Contents Insurance covers your personal possessions against loss or damage.
If you own your home or have a mortgage, Buildings Insurance is usually essential. Most lenders require it as a condition of your mortgage to protect the property against risks like fire, flood, storm damage or subsidence.
While not mandatory, Contents Insurance is strongly recommended. It covers items such as furniture, appliances, electronics, clothing and valuables against theft, loss or accidental damage.
It typically covers the structure of your home — walls, roof, floors, windows, fitted kitchens, bathrooms and permanent fixtures — against events like fire, flood, storm damage and vandalism.
It covers your belongings inside the property, usually on a “new for old” basis. This includes furniture, carpets, white goods, personal items, technology, jewellery and more.
Most policies include a limit for high-value items such as jewellery, watches or technology. You may need to list certain items separately. We help you understand the limits and optional upgrades.
Some policies include accidental damage as standard, while others offer it as an optional extra. We explain the differences and help you choose what’s right for you.
The excess is the amount you pay towards a claim. Higher excesses usually lower your premium, while lower excesses increase it.
Most policies cover damage caused by sudden leaks (e.g., burst pipes). Wear-and-tear issues may not be covered. We help you understand the specifics of your chosen policy.
This depends on the nature of your work and whether you keep business equipment at home. Some policies require additional cover. We can help you check the right level of protection.
Many policies offer “away from home” or “personal possessions” cover, protecting items like phones, laptops or jewellery when you’re out and about. We’ll let you know if this is included or optional.
Yes. We offer independent advice and can arrange Buildings, Contents or combined cover for clients nationwide.