Specialist Insurance cover by intelligent insurance
Complete Insurance Cover

Buildings & contents insurance cover

This combined high-quality 5-Star Defaqto rated buildings and contents insurance policy serves as the ultimate shield for your property and personal belongings.

Specially designed to defend against the broadest of risks, it encompasses absolute protection against incidents like property vandalism, burglary, damage from fire & smoke as well as flooding, severe storms and property subsidence.

This ensures your home and possessions are comprehensively safeguarded, offering unparalleled peace of mind*.

Combining Buildings & Contents Insurance

Contents insurance is essential for protecting your personal possessions, whether you’re living in your own home as a tenant, with family, or in a shared house as a lodger or tenant.
Your personal belongings such as electronics, furniture, clothes and your jewellery are covered against theft, destruction and even accidental damage.

Similarly, buildings insurance secures the physical structure of your home, including walls, roofs, and built-in fixtures, from damages due to events like severe storms, floods & fire and even structural movement like subsidence.

Combining buildings and contents insurance is especially beneficial for homeowners who want to ensure every aspect of their property is protected under a single policy. This not only simplifies the overall management of the policy, but often results in financial savings.

With intelligent Insurance, our buildings and contents insurance includes:

  • Buildings Insurance cover rated 5 Stars by Defaqto
  • All property types and personal circumstances considered
  • Highly recommended by customers for sales, service and claims
  • Cover provided by a panel of leading insurers
  • Free Home Emergency and Legal Protection included as standard

Home Insurance Cover Levels

  • Buildings Insurance

    Cover for the main structure of your home if you need to repair or rebuild it

    Up to £1 million
  • Content Insurance

    New for old cover for belongings kept in your home

    Up to £100,000
  • Alternative Accomodation

    Covers the costs for you and your family including pets to live elsewhere while your home is undergoing repair after an insured event

    Up to £50,000
  • Trace and Access

    Replacement and repair to any parts of the building that are removed when tracing escape of water

    Up to £5,000
  • Accidental Damage

    Cover for accidental breakages or damage to your buildings or contents eg putting your foot through the ceiling, or spilling paint on your carpet

  • Personal Belongings

    Cover for items you take outside of the home with you, such as mobile phones

  • Specified Items

    Cover for valuable items you specific separately on your policy

  • Pedal Cycles

    Cover for our bicycle(s) when taken away from the home



Policy Booklet

The policy booklet explains all of the general terms and conditions that apply to your Intelligent Insurance policy and optional extra cover

Terms of Business

This important document provides details of our fees, how to cancel or complain, and details about who regulates Intelligent Insurance.

Information Documents

The Insurance Product Information Documents (IPIDs) summarise the key levels of cover and restrictions that apply

*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.