Your mortgage lender may require you to purchase house building and contents insurance, or just buildings insurance. The answer to ‘should I get buildings and contents insurance together?’ is something you’ll need to decide for yourself. Though something to consider is the simplicity of having combined buildings and contents insurance policies under one insurance provider.

If you don’t have a mortgage, home building and contents insurance is not compulsory or a legal requirement. Although you may want to consider if you would be able to cover the cost of repairing your home, should the worst happen.

If you’re wondering ‘which buildings and contents insurance would be best for me’? It might be useful to compare buildings and contents insurance policies to find the best buildings and contents insurance provider for you. It’s quick and simple to compare building and contents insurance using building and contents insurance comparison tools online.

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Accidental damage refers to unexpected and unintended damage or breakage. This would have been caused by a single, sudden and one-off event that was unforeseeable and identifiable. It can be a part of building insurance and contents insurance.

Global research company Mintel reports that a third of claims on Home Insurance are from accidental damage, with it being the most popular thing to add to a policy.

Urban Jungle offers Accidental Damage as an add-on to building and house contents insurance. When getting contents and building insurance quotes simply select to include it. Read more about accidental damage on contents and buildings insurance here.

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You may be asking ‘can you change home insurance mid-year?’. Most insurance companies will tie you into a yearly buildings and home contents insurance policy. Here at Urban Jungle, you can do what works for you, either monthly or yearly.

On your Urban Jungle Buildings and Contents policy, you won’t be charged interest for picking monthly either unlike a lot of traditional home buildings and contents insurance providers.

Choosing an Urban Jungle monthly Building and Home Contents Insurance policy means you can cancel anytime for free. We know things change and quite often you’re on the move, so being able to make changes to your home contents and building insurance online makes insurance more faff-free!

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For buildings and contents home insurance, you'll often need to provide proof to your mortgage lender that you have insurance in place. You’ll often need home insurance for buildings and contents before completing on your property.

Get building and content insurance quotes here.

Buildings insurance excess is a specified amount you pay towards a successful claim. You will often have the chance to select your voluntary excess (excess you can choose) but there may be a compulsory excess (excess which the insurer choses) which cannot be changed for things like household leaks.

Checkout more in our blog on voluntary excess on home insurance here.

An insurance underwriting company is the insurer you pay your premium to which is responsible for paying your claims.

Urban Jungle works with several underwriters to offer you a range of products. For more information about who we work with, please see ‘which underwriters do Urban Jungle work with’ here.

Legal expenses insurance (LEI), also known as legal protection, is a type of cover designed to provide you advice and representation if you get into a legal dispute with a company or an individual.

You can select Legal Expenses Cover as an optional add-on to most of our Urban Jungle Building and Contents Home Insurance policies.

If you have added legal expenses cover or landlord legal expenses cover, it will be listed in your policy documents after purchasing.