Home Insurance


Buildings Insurance covers the costs of repairing or rebuilding the structure of your home should it be damaged or destroyed. It includes your permanent fixtures and fittings such as sanitary ware and fitted kitchen.

It’s intended to provide cover in the event of property damage from fire, storm, theft, escape of water, malicious damage and vandalism.

If you’re buying a property, you’ll usually need Buildings Insurance, as it will normally be a condition of the mortgage that cover is in place for the duration of the loan.


Contents insurance covers the cost of replacing the belongings in your home if they are damaged, destroyed or stolen. This includes items such as clothing, furniture, carpets and electrical items.

Many people underestimate the true value of their contents, which could result in them being out of pocket if they ever suffered total loss (i.e. in a fire). It is therefore very important to do a full inventory of the contents in your home and ensure the level of cover you choose is sufficient to replace all of your possessions.


Many contents insurance policies offer optional extras, such as:

Accidental Damage cover

This additional cover offers protection against sudden, unintentional and unforeseen incidents such as smashing a window with a football or hammering a nail into a pipe.

Personal possessions

Personal possessions covers items taken regularly outside the home such as cameras, mobiles, bicycles, watches and jewellery.

Family legal protection

This covers legal costs, should you need it, to deal with disputes as varied as dodgy tradesmen and bad holidays.

Home Emergency cover

Home Emergency cover provides help when you need it with central heating disasters, power failures and broken front-door locks.

Defaqto is a service that compares financial products. A 1 Star Rating indicates a basic product, with a low level of features and benefits, while a 5 Star product provides one of the highest quality offerings in the market.

At Willowgate Finance we only recommend Defaqto 5* rated home insurance products through our carefully selected panel of providers.

As with all insurance policies, conditions and exclusions will apply.


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As with all insurance policies, conditions and exclusions will apply.

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.