Buildings and Contents Insurance
What is Buildings and Contents Insurance?
With our great value 1st Central Buildings and Contents Insurance you get protection for your home and belongings.
What is Buildings and Contents Insurance?
Buildings and Contents Insurance provides complete protection for your property. Buildings Insurance covers the physical structure, such as walls and roofs, while Contents Insurance protects what’s inside, like furniture and personal items. Together, they ensure your home and possessions are covered against unexpected events.
Up to £500,000 Buildings cover
Covers the physical structure of your home, including walls, roofs, and outbuildings up to £500,000.
Structural damage or loss
Our policy will cover damage to your home from events like storms, floods, fires and subsidence.
Replacement locks and keys
Lost or stolen external door keys are covered for lock replacement.
Glass damage
Accidental breakage of glass in windows, doors, fanlights, skylights and solar panels is included.
Underground services
Accidental damage to underground drains, pipes, cables, and tanks is also covered.
Finding and accessing leaks
We’ll cover tracing and accessing to the source of a leak which is causing damage to your home.
Alternative accommodation
We’ll arrange temporary alternative accommodation if your home becomes uninhabitable following an insured event, such as a fire.
Up to £75,000 of Contents cover
Cover the contents of your home up to £75,000.
Loss and damage
Get more peace of mind for accidents in your home, from electronics to carpets. We'll cover loss or damage to the contents in the home for those unexpected events.
Cash cover
Loss or damage to money in your home is insured up to the amount shown on your policy schedule.
Fridge and freezers contents
Food that’s spoiled in your fridge or freezer due to a sudden temperature change is covered.
Bike cover
Calling all cyclists! Pedal bikes kept at home are covered up to £350.
Cover for outbuildings
We’ll cover loss or damage to what’s in your garage or outbuilding, up to £5,000.
How it works
Get a quote
Follow the online link below.
Choose coverage
We have a range of cover to suit your needs.
Add optional extras
If you want enhanced cover, you’ll be able to add this along the way.
Customise your cover / optional extras
We understand how important your home is to you. That’s why you can choose from a number of optional extras, to tailor your home insurance to suit your needs. Our Home Insurance add-ons give extra peace of mind, and provide additional support when the unexpected happens, ensuring you can get on with your day.
Answers to important questions
Is my property covered for subsidence?
Your property is covered in the event of subsidence during the term of the insurance. Please see your policy documents in Your Account for more details on the cover limits and terms.
If the property has previously experienced subsidence or if you have an ongoing subsidence claim with another insurer, we are unable to provide an insurance policy for you.
Is my property covered for flooding?
Your property is covered in the event of a flood. Please see your policy documents in Your Account for more details on the cover limits and terms.
How do I work out my home rebuilding cost?
In most cases, the rebuild cost usually falls below the market value of your home. However, it doesn’t take into account the value of the land or location, so the rebuild costs might exceed the market value.
If you need help understanding the rebuild cost of your home, there are websites that can assist you, including calculator from the Royal Institution of Chartered Surveyors.
How can I access my home insurance documents?
Your documents are kept safe and sound in Your Account so you can access them whenever you like. Log in using your email address, your password wil be your policy number, and you can change this once you've logged in.
If you have forgotten your password or don't remember setting up an account when you bought your policy, please click on the 'I've forgotten my details' link.
How do I find out the excess on my home insurance policy?
Your excess amounts are outlined in your policy documents. The excess is the payment you make towards the cost of your claim. Further details on this can be found in your policy documents in Your Account.
Voluntary excess
A voluntary excess is chosen by you and is the amount you are willing to pay towards a claim. You should consider the most you would want to pay in the event of a claim before proceeding.
In the event of a claim, this is payable in addition to the compulsory excess and will be deducted from the overall claim settlement.
Please note, sometimes you may need to pay your excesses up front for repairs to your home.
Compulsory excess
All policies include a compulsory excess. The excesses below apply to buildings, contents, personal possessions and bicycles.
Where a claim is made for more than one section of cover, we will only apply one excess, but the higher excess will always apply.
In the event of an escape of water claim or subsidence claim, you will be charged the relevant excess in replacement of the compulsory excess. More information can be found in the policy wording or refer to your Schedule.
Example of all excess for building and contents
| Compulsory | Voluntary | Total | |
| Buildings | £200 | £250 | £450 |
| Contents | £200 | £250 | £450 |
| Escape of water | £450 | - | £450 |
| Subsidence | £1,000 | - | £1,000 |
| Personal possessions | £100 | - | £100 |
| Bicycles | £100 | - | £100 |
Thinking about Buildings and Contents Insurance?
Let’s get it sorted today.