Buildings and contents insurance helps protect your home and the things inside it against unexpected events such as fire, flooding, theft, or accidental damage.

At Northants Mortgages, we offer clear, straightforward advice on buildings and contents insurance, helping you find cover that suits your property, lifestyle, and budget.

What Does Buildings Insurance Cover?

Buildings insurance is designed to cover the structure of your property, including:

  • The walls, roof, and floors
  • Permanent fixtures such as kitchens and bathrooms
  • Garages and outbuildings

This type of cover is usually a requirement of your mortgage lender and helps protect you financially if your property is damaged or destroyed.

What Does Contents Insurance Cover?

Contents insurance covers the items inside your home, such as:

  • Furniture and furnishings
  • Electrical items and appliances
  • Personal belongings and valuables

Cover can often be tailored to include accidental damage and personal possessions outside the home, depending on your needs.

Cover That Fits Around You

Every home is different. We’ll help you consider:

  • The right level of cover
  • Optional extras and exclusions
  • Whether combined or separate policies make sense

Our aim is to help you understand your options and arrange protection that fits your circumstances — without unnecessary complexity.

Talk to us about YOUR cover

Tell us a little about your home and what you’d like to protect, and we’ll be in touch to talk through your options with clear, straightforward advice.