Feefo logo
0333 234 1447
Mon-Fri: 9am to 5pm | Sat-Sun: Closed

Buildings and contents insurance

Protection for your biggest investment from Howden. As part of Howden, we can cover your home and belongings on one policy.
Buildings and contents insurance

What does home buildings and contents insurance cover?

Your buildings and contents

Your buildings and contents

Howden covers against fire, flood, smoke, theft, subsidence, vandalism and malicious damage. Optional accidental damage cover included.
Alternative accommodation

Alternative accommodation

If your home is made uninhabitable by an event covered within your policy, you’ll get up to 20% of the sum insured for the total cost of getting temporary accommodation.
Property owners’ liability cover

Property owners’ liability cover

Up to £2 million cover for any amount which you become legally liable to pay as a result of damage to somebody else’s property, or in the event that any person suffers an injury whilst on your property.

Benefits of buildings and contents insurance cover with Howden

Your home is one of the biggest investments you’ll make throughout your life, so you’ll likely want to do everything you can to protect it. When you insure with Howden, you’ll experience a whole range of benefits.
Specialist policies tailored to your needs

Specialist policies tailored to your needs

Friendly, helpful, expert advisors

Friendly, helpful, expert advisors

8 out of 10 clients renew with Howden each year

8 out of 10 clients renew with Howden each year

Your guide to buildings and contents insurance

Not sure what cover you need for your property? Find out more by reading some of our useful guides about finding the right cover for your buildings and contents.

What is buildings insurance?

What is contents insurance?

What is new for old?

First time buyer survival guides

Read more guides >

Frequently asked questions about home buildings and contents insurance

Still not entirely sure what cover you need to protect your home and belongings? We’ve taken the time to answer some frequently asked questions.

What is buildings and contents insurance?

Buildings and contents insurance (also known as ‘home insurance’) provides cover for the structure of your home as well as everything that’s inside it, including your clothes and furniture. This will protect your home and belongings against risks such as fire, theft and flood, as well as providing additional covers such as property owners’ liability insurance and cover for stolen keys.

It’s usually a requirement of your mortgage provider to have some form of buildings insurance in place, and they may even request to be added as a note of interest to the policy. Check the terms of your mortgage to see what’s required.

You’ll also need to assess what level of contents you need, as it can be easy to underestimate the value of your belongings. If the property is entirely empty with no furnishing or fittings, you may find that you only require buildings insurance for your property.

If you are the leaseholder of a flat, however, you may find that you only require contents insurance as it will be the responsibility of the freeholder or management company to insure the building.

How much is buildings and contents insurance?

The cost of your buildings and contents insurance will rely on a number of factors, including:

  • Your personal details, including whether you’ve held home insurance before
  • Whether the property has a history of subsidence, heave, landslip or flooding
  • The construction of the property, such as whether it’s built of brick, stone or concrete
  • Whether it has any flat roof
  • What optional extras you’ve chosen to add to your policy, such as specified items or home emergency
  • How many bathrooms / bedrooms the property has
  • Whether there are smoke, burglar and carbon monoxide alarms installed
  • Whether you’ve included contents cover with your quote

These are just a few of the factors that will be considered when calculating your quote. For full details, please speak to one of our expert consultants on 0333 234 1552.

If you have a property that has previously suffered from subsidence, heave, landslip or flooding, or is unoccupied, Howden may not be able to offer cover under their standard home buildings and contents insurance policy. However, we do have a specialist non-standard property team who may be able to help you find cover.

What’s the difference between buildings and contents insurance?

Buildings insurance provides cover for the structure of your property, including fixtures and fittings. Contents insurance provides cover for the belongings that you keep inside your property, such as your clothes, furniture and white goods.

Essentially if you were to turn your home upside down and shake it, anything that fell out would be considered contents. Anything that remains would be covered under buildings insurance.

What else is covered with buildings and contents insurance?

Generally, home buildings and contents insurance also provides cover for:

Keys and locks

Replace keys and locks for external doors if your keys have been stolen. Keys and locks to safes or alarm systems are also covered.Up to £500 to replace keys and locks for external doors if your keys have been stolen. Keys and locks to safes or alarm systems are also covered.

Cover away from home

Protect the items that are most valuable to you whilst you're out and about. Items such as laptops and mobile phones can be covered. You can also cover more expensive items by specifying them on your policy.

Outbuildings and garden

Garden furniture, patio heaters, lawnmowers, pots and plants can be covered. You can also claim for items damaged or stolen from outbuildings.

Escape of water or oil

You’re covered if your washing machine, dishwasher, central heating system or fridge leaks, providing they’ve been kept in a good state of repair. You’re also covered for any loss of metered water.

Underground pipes and cables

Cover for accidental damage to underground drains, pipes, cables and tanks providing services to or from your home for which you are legally responsible.

Trace and access

Detecting and repairing the source of a water leak.

Check your policy to ensure what is and isn’t covered.

What optional extras are available for my buildings and contents?

No two homes are the same, and everyone’s insurance needs are different, which is why insurers provide flexible cover options for customers. Typically, you can choose to add the following covers to your buildings and content insurance:

Legal expenses

If you find yourself in a dispute relating to employment, contract or property issues, or clinical negligence, we’re here to help. We’ll appoint a law firm on your behalf and you can claim for legal representation.

Find out more about legal cover.

Home emergency

Reassurance for a range of problems such as a break in, or central heating that doesn’t work (as long as it’s been regularly serviced).

Accidental damage

Choose accidental damage insurance as an optional extra on your home insurance and you’re covered for those irritating mishaps that are costly to fix. So if you put your foot through a floorboard or a hot iron falls off the ironing board and burns the carpet, you’re covered.


Looking for some handy tips and tricks? Find out more on the blog!

Top tips for keeping your growing multi-academy trust (MAT) safe and compliant


Read more

Top 5 risks in leisure trusts

Business and charity

Read more

Risks affecting community health and wellbeing providers

Home and living

Read more

Risk assessment guide for schools


Read more