Often the more common insurance, you may wish to cover your building and/or contents against a range of insurable events such as fire, theft, and malicious damage, Further cover can include accidental damage and personal possessions away from the home.

Buildings Insurance

Buildings Insurance covers the cost of repairing or rebuilding your property and replacing any permanent fixtures, following damage caused by instances such as weather, fire, subsidence or flood.  It is designed to cover the overall structure of the house.

Internal fixtures including built-in kitchens, bathrooms and fixed bedroom furniture, as well as central heating and plumbing systems, should all be covered as standard.

Externally, Buildings Insurance can cover your driveway, garden path, walls, gates, hedges and outbuildings.

You will need to make sure that you insure your property to cover the full cost of rebuilding your property. This should include costs such as demolition, clearing the site, and architect’s fees, for example.

What Are you Typically Covered Against?

  • Fire and smoke damage
  • Flooding
  • Escape of water or oil
  • Subsidence
  • Vehicle impact
  • Accidental damage to glass windows and fixed sanitary ware (if selected)
  • Accidental damage to underground pipes and cables (if selected)
  • Alternative accommodation (if your home becomes uninhabitable following an insured incident)
  • Theft and malicious damage

Contents Insurance

Contents Insurance cover is a type of policy to cover all items within your home, but those that are not a permanent fixture. Typically, it could be items that you may expect to take with you when you move, or items that may exit the house with you on a frequent basis, such as a mobile phone, or watch.

If your belongings are lost or damaged because of fire, theft, storm or floods, water damage or subsidence, vandalism or malicious acts, you’ll be glad you have contents insurance.

Things that you wouldn’t normally assume are covered too, such as digital downloads, replacement door locks if you lose your keys and even items temporarily removed from the home. If something happens that causes damage to your home which means you can’t stay there, some insurers will cover the cost of alternative accommodation while repairs are carried out.

Even garden plants and food in your freezer can be covered by contents insurance.  Your items can then be replaced on an “as new” or “new for old” basis.

There are plenty of “add-ons” to consider with contents insurance, such as whether you wish to include accidental damage cover, personal possession cover outside of the home, or even Home Emergency cover which covers you against central heating disasters, power failures, and broken front door locks.

What's the next steps?


Get in touch

Choose by email, phone, or face to face to meet with a qualified advisor who can talk you through the next steps.

Let’s find out about you

By reviewing who you are, your aims, and what you require from your insurance, we leave no stone unturned in finding you the perfect deal.

Leave the hard work to us

We search far and wide from the providers on offer to source the right policy for you.

It’s application time

Once ready we will fully package your case and work with the chosen company to gain a successful decision. Just sit back and relax.

You are now insured

With a successful policy you know you are covered, whatever the outcome.


Read our often asked FAQs.
  • What is buildings insurance?

    A type of insurance that protects/covers the fabric of your building in the event of fire, accidental, or malicious damage. If you are responsible for the freehold of your building then this will be a requirement of your mortgage offer and must be in place before you exchange/complete.

  • What is contents insurance?

    A type of policy that protects/covers the internal furnishing of your home, and your personal possessions inside/outside of it (subject to additional cost). Additional benefits can include home emergency cover for your plumbing/heating and accidental damage coverage for further protection.

  • How much should I expect to pay?

    This will vary depending on the house type, your claims history, and the level of cover your require. Typically a policy for contents only may start at £10 per month, with a combined buildings and insurance policy working towards £35 per month on average.

  • How do I apply?

    To apply, all you need to do is visit our contact us page to make an appointment or request a quote. We can then work through your requirements and finalise the quote that you are looking for.

  • What insurances do we advise on?

    We advise on a broad range of different insurance types including life cover, critical illness, income protection, home insurance and business protection. All cover is underwritten by established UK insurers and offer a variety of terms/options to ensure you are fully covered.

  • What insurance is best for me?

    If you are unsure what insurance deal is best for your circumstances, then one of our experts can advise you on the best available options to ensure that you are protected no matter the occasion.


Why choose Pinnacle?

Honest Advice

Our promise is to deliver impartial, expert advice to our clients, allowing you to make an informed decision. Via our independent status, we're perfectly placed to deliver suitable guidance.

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Our model provides you with access across the financial and property markets. By centralising this process, we can pass on not only the financial benefits, but also save you time and stress.

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We can offer appointments 7 days a week, between 9am to 9pm. Whether it's face to face, by phone, or online, we can accommodate to your preference. Your convenience is our goal.

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