Protect Your Home with Insurance in Bristol, Bath & Surrounding Areas

What is Home Insurance?

Home Insurance provides financial protection against damage to your property and its contents. At Strong Mortgage Solutions, we help homeowners in Bristol, Bath, and nearby areas find suitable cover to protect their homes, belongings, and peace of mind.



Home Insurance is typically split into two parts:

Buildings Insurance

Buildings Insurance covers the structure of your home – including the roof, walls, floors, windows, permanent fixtures like bathrooms and kitchens, and outbuildings such as garages or sheds.


It protects you from damage caused by:


  • Fire, lightning or explosion
  • Storm or flood damage
  • Subsidence
  • Vandalism or theft
  • Falling trees or branches


If you’re buying a home with a mortgage, your lender will usually require you to have Buildings Insurance in place from the day you exchange contracts.

Contents Insurance

Contents Insurance protects the items inside your home, such as furniture, electronics, clothing, appliances, and valuables. It covers damage or loss due to:


  • Theft or attempted theft
  • Fire and smoke damage
  • Escape of water (e.g. burst pipes)
  • Accidental damage (optional on some policies)


Whether you’re a homeowner or tenant, Contents Insurance can provide peace of mind knowing your personal belongings are protected.

Do I Need Home Insurance?

For Homeowners

If you own your property, Buildings Insurance is essential to protect the structure of your home and meet your mortgage lender’s requirements. Contents cover is highly recommended to protect your personal items.

For First-Time Buyers

Home Insurance should be in place before exchange of contracts. We can guide you through the process and ensure you have the right protection set up alongside your mortgage.

For Renters

While Buildings Insurance is usually the landlord’s responsibility, Contents Insurance is your responsibility. It ensures your belongings are protected, even if you don’t own the building.

Combined Buildings and Contents Insurance

Many people choose to combine both types of cover into a single policy for simplicity and cost-effectiveness. Combined Home Insurance gives you protection for your property and possessions in one place.


We can help you decide if a combined policy is suitable or if it’s better to arrange separate cover depending on your needs.


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Common Questions About Home Insurance

  • Do I need both buildings and contents cover?

    If you own your home, both types of cover are recommended. Renters usually only need contents insurance.

  • When should I arrange Home Insurance?

    As soon as your solicitor confirms exchange of contracts – this ensures you’re protected from day one.

  • What’s the difference between buildings and contents?

    Buildings Insurance covers the property structure; Contents Insurance covers your belongings.

  • Is accidental damage covered?

    Some policies include it as standard; others offer it as an optional add-on.

Contact Us Today if you have more questions or need expert guidance.

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Why Choose Strong Mortgage Solutions?

  • Local advice tailored to clients in Bristol, Bath, and surrounding areas
  • Friendly, clear explanations of your options
  • Help arranging cover alongside your mortgage or remortgage
  • Flexible appointments in person or remotely
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Book Your Free Consultation to discuss your home insurance needs today.

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Areas We Cover for Home Insurance Advice

We offer personalised insurance advice in:


  • Bristol (Clifton, Bedminster, Redland, Southville and more)
  • Bath
  • Weston-super-Mare
  • Portishead
  • Clevedon
  • North Somerset
  • Gloucestershire
  • Exeter


Book Your Home Insurance Review with an experienced adviser today.

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Protect Your Home Today

Home Insurance provides essential peace of mind. Whether you're buying a new home, remortgaging, or reviewing your current policy, we’ll help you secure the right protection.


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