Buildings & Contents Insurance

Buildings Insurance Only

Contents Insurance Only

The right cover for you…

Protect your investment with our Defaqto 5 Star rated home insurance. We search the market for the best cover and price with the UK’s leading insurers. Our policies cover buildings, contents, accidental damage, legal expenses and more. Why not protect your investment and sleep easy for just a few pence per day?

Examples of cover include...

  • Buildings covered up to £1,000,000 as standard
  • Permanent fixtures in the property such as the shower, bath and built-in wardrobes and kitchens are covered
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Malicious Damage by tenants covered as standard
  • Accidental Damage or breakage to glass, sanitary fixtures and fittings, and underground drains and pipes covered as standard
  • Up to £200,000 for alternative accommodation and loss of rent if the property is uninhabitable due to an insured event
  • Options of £10,000, £20,000, £30,000, £40,000, and £50,000 Contents cover available
  • Malicious Damage by tenants covered as standard
  • Covered up to the chosen sum insured for Contents in communal areas
  • New for old replacement as standard
  • Option to include Accidental Damage cover to contents available
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • A choice of optional extras – meaning you only pay for the additional cover you actually need
*Terms & Conditions Apply

Examples of cover include...

  • Buildings covered up to £1,000,000 as standard
  • Permanent fixtures in the property such as the shower, bath and built-in wardrobes and kitchens are covered
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Malicious Damage by tenants covered as standard
  • Accidental Damage or breakage to glass, sanitary fixtures and fittings, and underground drains and pipes covered as standard
  • Up to £200,000 for alternative accommodation and loss of rent if the property is uninhabitable due to an insured event
  • A choice of optional extras – meaning you only pay for the additional cover you actually need
*Terms & Conditions Apply

Examples of cover include...

  • Options of £10,000, £20,000, £30,000, £40,000, and £50,000 Contents cover available
  • Malicious Damage by tenants covered as standard
  • Covered up to the chosen sum insured for Contents in communal areas
  • New for old replacement as standard
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Option to include Accidental Damage cover to contents available
*Terms & Conditions Apply
Building & Contents

Examples of cover include...

  • Buildings covered up to £1,000,000 as standard
  • Permanent fixtures in the property such as the shower, bath and built-in wardrobes and kitchens are covered
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Malicious Damage by tenants covered as standard
  • Accidental Damage or breakage to glass, sanitary fixtures and fittings, and underground drains and pipes covered as standard
  • Up to £200,000 for alternative accommodation and loss of rent if the property is uninhabitable due to an insured event
  • Options of £10,000, £20,000, £30,000, £40,000, and £50,000 Contents cover available
  • Malicious Damage by tenants covered as standard
  • Covered up to the chosen sum insured for Contents in communal areas
  • New for old replacement as standard
  • Option to include Accidental Damage cover to contents available
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • A choice of optional extras – meaning you only pay for the additional cover you actually need
*Terms & Conditions Apply
Buildings

Examples of cover include...

  • Buildings covered up to £1,000,000 as standard
  • Permanent fixtures in the property such as the shower, bath and built-in wardrobes and kitchens are covered
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Malicious Damage by tenants covered as standard
  • Accidental Damage or breakage to glass, sanitary fixtures and fittings, and underground drains and pipes covered as standard
  • Up to £200,000 for alternative accommodation and loss of rent if the property is uninhabitable due to an insured event
  • A choice of optional extras – meaning you only pay for the additional cover you actually need
*Terms & Conditions Apply
Contents

Examples of cover include...

  • Options of £10,000, £20,000, £30,000, £40,000, and £50,000 Contents cover available
  • Malicious Damage by tenants covered as standard
  • Covered up to the chosen sum insured for Contents in communal areas
  • New for old replacement as standard
  • Default excess of £250 with the option to reduce to £50 or increase to £500 in £50 increments
  • Option to include Accidental Damage cover to contents available
*Terms & Conditions Apply

Need cover for multiple properties?

Call us for a quote on your portfolio and let us help you find the best solution for your needs.

Do I need Home Insurance?

Although you are not legally required to have home insurance, if you want to safeguard your investment, it’s important to obtain this type of insurance. It may also be a requirement of your mortgage provider to have home isnurance and you should check any requirements they may have in this regard.

Frequently Asked Questions

What's the difference between Buildings Insurance and Contents Insurance?

Buildings Insurance covers the property itself, and any outbuildings and garages within 100 metres of the property. It also provides protection for fixtures and fittings in the building, such as a fitted wardrobe, built in appliances or hardwood floors. Contents Insurance covers ‘moveable’ items such as ornaments, free standing furniture, and carpets.

Which insurer underwrites my policy?

Our Buildings and Contents policies are underwritten by various major insurers including AXA, Legal and General, RSA, GEO and UK General. We will notify you of the specific insurer when we provide you with a quotation and again prior to inception of your policy.

What does new for old mean?

If an item has been damaged and cannot be economically repaired, we’ll replace it with a new one of similar quality.

Is there an excess fee?

There may be excesses to pay and you can chose the excess levels during your quotation.

Can I cancel my policy?

Yes. You can cancel your policy at any time by calling or writing to us on the details shown in the policy documents. If having taken out a policy and after examining it, you decide not to continue with it you have a statutory right to cancel. During this cooling off period you can cancel the policy back to the start date without charge and with a full refund of any premiums already paid, unless you have made a claim during this period.

Looking for a competitive quote?

Call us on 0345 548 1101 or complete the contact us form and will call you straight back.

Need to Claim?

Logging a claim is quick and easy.

 

You can log a claim in your customer portal 24 hours per day 365 days of the year.

Alternatively, you can telephone us on 0345 548 1101.

Please make sure you have complied with the policy wording to ensure that the insurer accepts and resolves your claim in a timely manner.

Login

Login to your customer portal and log your claim in just a few clicks

Call

Once your claim is logged, complete the claims form

Insurers

Your claim will be passed to insurers for validation and processing