Including cover for Landlords and tenants
What is home Insurance?
Home insurance helps protect your home and belongings against unexpected events such as fire, flood, theft, storm damage, burst pipes and escape of water.
You can choose buildings insurance, contents insurance, or a combined policy depending on your needs.
For full details, please refer to Home Insurance policy booklet or Insurance Product Information Document for Home Insurance. You can also speak to an expert insurance broker by calling the BVS Hotline.
What is buildings Insurance?
Buildings insurance helps protect the physical structure of your home, including the roof, walls, ceilings, floors, windows and doors. It also usually covers permanent fixtures such as fitted kitchens, built-in cupboards and bathroom suites.
It can help cover the cost of repairing or rebuilding your property if it is damaged by an insured event such as fire, flood, storm damage, lightning, burst pipes, falling trees, vandalism, vehicle impact, escape of water or explosion.
Buildings insurance can help reduce the financial impact of unexpected damage to your home or outbuildings caused by insured events such as fire, flood, storm damage or escape of water.
Cover will depend on the policy you choose and is subject to policy terms, conditions, limits and exclusions.
Garages, sheds and some outbuildings may be included under certain policies. However, fences, gates, boundary walls, underground pipes and cables may not always be covered as standard.
Always check your policy booklet and Insurance Product Information Document, or speak to an insurance adviser, before purchasing cover.
What is contents Insurance?
Contents insurance helps protect the personal belongings inside your home. These are usually items you would take with you if you moved, such as furniture, electrical items, clothing, jewellery, kitchenware, books, toys and other household possessions.
A simple way to understand contents is to ask: “Would I take this item with me if I moved home?” If the answer is yes, it is usually classed as contents.
If your belongings were damaged, stolen or destroyed by an insured event such as fire, flood, escape of water or theft, contents insurance can help cover the cost of repairing or replacing them.
Contents insurance can help protect everyday household items such as beds, sofas, wardrobes, dining tables, TVs, laptops, game consoles, kitchenware, curtains, bedding, clothing, jewellery, books, toys and ornaments.Some high-value items may need to be listed separately on your policy.
Cover is subject to policy terms, conditions, limits and exclusions.
Optional extras
What is Landlords Insurance?
Landlords insurance helps protect rental properties against unexpected damage, loss and liability risks.
It can cover the building, landlord-owned contents, or both, depending on the policy you choose. Cover may include insured events such as fire, flood, storm damage, escape of water, theft, vandalism and malicious damage.
If your property becomes uninhabitable due to an insured event, the policy may also help with alternative accommodation or loss of rent, subject to policy terms, limits and exclusions.
All cover is subject to the policy terms, conditions, limits and exclusions. Please read the policy booklet and Insurance Product Information Document before purchasing.
What is Tenants Contents Insurance?
Tenants contents insurance is designed for people living in rented accommodation. It helps protect your personal belongings against loss, theft or damage caused by insured events such as fire, flood, escape of water or theft.
The policy can also include tenants’ liability cover, which may help protect you if you accidentally damage your landlord’s fixtures, fittings or furnishings.
This cover can help tenants protect their belongings and reduce the risk of unexpected costs while renting.
For full details, please check the policy booklet and Insurance Product Information Document.
Additional cover from other leading insurers is also available.
What is Tenants Liability Cover?
Tenants liability cover can help protect tenants if they accidentally damage their landlord’s property, fixtures or fittings and are responsible under their tenancy agreement.
This cover may be suitable for tenants renting furnished or unfurnished homes, subject to the policy terms and eligibility criteria.
For full details, please check the policy booklet and Insurance Product Information Document.
TERMS AND CONDITIONS APPLY. THE PLAN WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM.
Looking for something else? We're here to help.
From family protection and mortgages to specialist commercial cover, we’ve got you sorted. Because we’re part of a wider group of financial and wealth management specialists, you get the best of both worlds: professional, big-picture expertise delivered with a friendly, personal touch.
BVS Mortgages is a London based company and our aim is to provide professional mortgage advice to individuals and businesses across the UK. We specialise in both residential mortgages and commercial mortgages.
BVS Wealth Management is a London based company and our aim is to provide professional wealth management advice to individuals across the UK. We specialise in pension planning, savings and investments.
BVS Commercial Finance is a London based company and our aim is to provide professional financial advice to businesses across the UK. We specialise in accounting and lending advice for businesses
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We’re part of Openwork Ltd, one of the UK’s leading financial networks, to bring you expert advice you can trust. At BVS Protection, our qualified advisers don’t believe in 'one size fits all.' We’re constantly refining our standards to make sure the cover we recommend is perfectly suited to you and your family.
Want to speak with an adviser?
Good protection advice starts with a clear conversation. If you would like to explore your options, our advisers are here to listen, answer your questions and help you understand what may be suitable for your needs.
Your first conversation is informal and there is no obligation to proceed. You can contact us using the details below.
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