Buildings and contents insurance

Protect your property and possessions.

When you purchase a property, you’re making one of the biggest financial commitments of your life. Protecting that investment isn’t just sensible—it’s essential. That’s where Buildings and Contents Insurance comes in.

Buildings Insurance – Protecting the Structure

Mortgage lenders typically require you to have buildings insurance in place from the day you exchange contracts. This policy covers the cost of repairing or rebuilding your home if it’s damaged by unexpected events such as:

Fire, flood, or storm damage
Burst pipes or water leaks
Subsidence
Impact damage (e.g. falling trees or vehicles)

Without it, you could face huge repair bills—costs that could run into hundreds of thousands of pounds.

Contents Insurance – Protecting Your Belongings

While buildings insurance covers the structure, contents insurance protects what’s inside your home. This includes furniture, appliances, electronics, clothes, and personal possessions. If they’re stolen, damaged, or destroyed, the policy can cover repair or replacement costs.

Common scenarios include:

Burglary or theft
Fire or water damage to possessions
Accidental damage cover (optional on many policies)

Why Both Matter

Together, buildings and contents insurance give you peace of mind. They ensure that if disaster strikes—whether it’s a major structural problem or a break-in—you’re financially protected and can get back on your feet without derailing your finances.

At Trinity Financial, we help our clients not just secure the right mortgage, but also safeguard their homes and belongings. We can guide you through the insurance options available and ensure you have the right level of cover for your needs and budget.

We also work closely with specialist brokers arranging insurance for high net worth clients to protect buildings and contents, plus valuables such as artwork, watches and cars.