Buildings and Contents Insurance. Protect Your Home. Protect What’s Inside.
Your home is likely your biggest financial commitment. Buildings and contents insurance helps protect both the structure of your property and the belongings that make it a home.
At Mark One Financial Services, we arrange buildings and contents insurance for homeowners across Scotland, ensuring cover is accurate, suitable, and cost-effective.
Buildings Insurance Explained
Buildings insurance covers the physical structure of your home. This includes walls, roof, floors, and permanent fixtures such as kitchens, bathrooms, and fitted wardrobes.
Most mortgage lenders require buildings insurance to be in place from the date you become legally responsible for the property. Without it, your mortgage offer may not proceed.
Cover typically protects against risks such as fire, flooding, storm damage, subsidence, and vandalism. Because rebuilding costs can be higher than expected, getting the correct sum insured is essential.
What Contents Insurance Covers
Contents insurance protects your personal belongings inside the home. This includes furniture, electronics, clothing, and valuables.
If items are stolen, damaged, or destroyed, contents insurance helps you replace them quickly and with minimal disruption. Some policies also cover items taken outside the home, depending on the level of protection selected.
Accurate valuations matter. Underinsuring contents is a common mistake that can lead to reduced claims payments.
Advice That Goes Beyond Price
Many people arrange buildings and contents insurance online without fully understanding the questions being asked. Details such as door locks, alarm systems, property construction, or proximity to water can significantly affect cover and premiums.
All Services
