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Buildings and Contents Insurance

If the thought of managing and renewing two insurance policies for your home is too confusing then it is possible to get a combined buildings and contents insurance policy from many insurers. It’s also possible that a combined policy can attract a discount as you are placing your business with the same insurer. Read more...>


	Tesco Free Karcher Pressure Washer worth £100	35%
	Direct Line Trusted brand offering extensive cover.	25%
	Barclays Half price contents as well as 10% online discount	10%
	Sainsburys 20% discount when you purchase buildings & contents	20%
		3000 Nectar points

The policy itself will be slightly more complex than individual policies as it will have to take into account both sets of requirements. For instance, you need to make sure that it gives enough cover to rebuild your home at the same time as fully covering your possessions.

The best way to assess whether a combined policy is right for you is to compare the levels of cover and total premiums like for like against the individual policies.

Whether to take a combined policy is a matter of choice for the homeowner but it is seen by some as a more convenient and perhaps cheaper method of cover than individual policies although adequate cover should always be the main purpose of selecting home insurance.

Top Tips

If you don’t own the home and are renting you will not need to consider a combined buildings and contents policy
Make sure that you pay full attention to renewal reminders if you have a combined policy as you risk being completely uninsured if you forget
Make sure that both sides of the policy, home and buildings, give good value and cover