Buildings and Contents Insurance

Buildings and Contents Insurance

With 1st Central's Buildings and Contents Insurance, you don't just get comprehensive protection for your home and belongings, but also great value, ensuring peace of mind without breaking the bank.

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What's Buildings and Contents Insurance?

Buildings and Contents Insurance offers comprehensive protection for your home. Buildings Insurance covers the physical structure of your property, such as walls and roofs, while Contents Insurance protects your belongings inside, like furniture and personal items. It's the complete package to ensure your home, and everything in it, are secure and covered against unexpected events.

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What's included in our Buildings and Contents Insurance?

Buildings cover

Buildings insurance amount covered up to £500,000

Alternative accommodation

Alternative accommodation if the home can’t be lived in following insured damage

Glass damage

Accidental damage to glass and sanitary fittings 

Leak cover

Trace and access to the source of a leak which is causing damage to the home

Metered water cover

Accidental loss of metered water  

Replacement locks and keys

Replacement locks and keys to external doors and windows of the home, if the keys are stolen or the locks are damaged

Structural damage or loss

Loss or damage to the structure of your home, including garages and outbuildings

Underground services

Accidental damage to the mains services such as underground pipes

Contents cover

Contents insurance amount covered up to £75,000

Bike cover

Pedal cycles when kept at home, up to the value of £350 

Cash cover

Money that's kept at home

Cover for outbuildings

Contents in outbuildings within the boundaries of the property

Fridge and freezers contents

Loss or damage to the contents of fridges and freezers

Loss and damage

Loss or damage to the contents in the home, including electrical equipment and furniture 

Mirrors and glass damage

Accidental damage to mirrors or glass 

Optional cover

Additional cover is available for valuable items worth more than £1,500 and bikes worth more than £350 as specified items at any time during your insurance cover

Not sure Buildings and Contents Insurance is what you need? Don't worry, we offer Contents Insurance too, so if you just need cover for the belongings inside your home and not the building itself, this could be the right product for you. Check out our Contents Insurance now.

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What isn't covered?

Buildings and Contents Insurance has its limits, with the below features not included. However, you can purchase our optional extras to enhance your coverage.

  • Damage or loss caused by lack of general maintenance, wear and tear and loss of value over time

  • Home being unoccupied for more than 60 days at a time

  • Deliberate damage

  • Damage caused by pets

  • Accidental damage - is not covered as standard and can be purchased as an optional extra

For full information on what isn't covered in our Buildings and Contents Insurance, check out our Policy Wording.

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Additional cover for extra peace of mind

At 1st Central we know your home is more important than ever, that's why you can choose from a number of optional extras so you can 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.

Don't just take our word for it

We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help and Support page.

Frequently Asked Questions

How do I make changes to my home insurance policy?
If you’d like to make a change to your home insurance policy – like update your personal details, add or remove a joint policyholder or add extra items to your cover – just give our friendly Customer Service team a call on 0333 043 2001 and they’ll take care of this for you.
What are your fees and charges for my home insurance?
Our fees and charges for making a change or for cancelling your policy are in the table below: 
Cancellation fees  
Cancelling your policy before it starts, or within 14 days of its start date   £0  
After 14 days of the policy start date   £35 
If we have to cancel your policy – see ‘Cancelling this policy’ for more information    £35 
Fees for making a change    
If we have to make a change because you gave us incorrect information    £25 
If you make a change on the phone   £25 

We don’t charge an arrangement fee at new business or renewal.  

If you cancel your policy within 14 days of purchase, a full refund of the premium will be provided, provided that no claim has been made. If you choose to cancel within the first 14 days and pay by installments, we won't refund any credit finance charges. 

If you cancel your policy 14 days or more after purchase, you'll have to pay for the time you were covered and any cancellations fees. This will only be applicable from the time you contact us or later. We may not refund any premium if you have made a claim, if the instalment payments are not up to date, or if fraud has been comitted.

Do you offer live chat?

We also offer live chat across our sales pages, within Your Account and on our Help & Support page. Look out for the blue chat web chat icon at the bottom right of the page.

You can use web chat to and discuss any queries you may have with our Customer Services, Sales, Renewals, Claims and Payments & Finance team.

You can also make a payment if you’re in arrears, providing we already hold your payment method on your account.

See our opening hours here