Protection
Protecting What You’ve Built and What You Live With
Your home is one of your biggest assets, and making sure it’s properly protected is essential. Buildings and contents insurance works together to safeguard both the structure of your property and everything inside it. Buildings insurance covers the cost of repairing or rebuilding your home if it’s damaged by things like fire, flooding, or vandalism. Contents insurance protects your belongings from theft, accidental damage, or loss.
Your home is one of your biggest financial commitments, and it’s easy to take day-to-day protection for granted until something goes wrong.
Buildings and contents insurance is about making sure you’re covered if the unexpected happens. Whether it’s damage to the property itself or loss of personal belongings, having the right cover in place can prevent a difficult situation from becoming a financial one.
Many people have cover in place without ever reviewing whether it still fits their home, lifestyle or circumstances. My role is to help you check that what you have is appropriate and clearly understood, so there are no surprises if you ever need to rely on it.
The focus is simple. Making sure your home and belongings are protected in a way that makes sense for you.
1. What is Building and Contents Insurance and why do I need it?
It’s designed to protect your home and belongings if something unexpected happens. Most people only realise the importance of this cover when they need to make a claim, which is why it’s worth understanding what’s in place beforehand.
2. What does Building Insurance cover?
Buildings insurance is focused on the structure of your property. The key consideration is whether the level of cover would be enough to put things right if serious damage occurred.
3. What does Contents Insurance cover?
Contents insurance relates to the items you own inside your home. Many people underestimate the value of their belongings, which can leave them underinsured without realising it.
4. How is the premium for Building and Contents Insurance determined?
The cost depends on factors such as the property, its location, rebuild value, security and the level of cover chosen. The important thing is that the cover reflects your actual situation, not just the cheapest option.
5. Can I bundle Building and Contents Insurance with other types of cover?
Some insurers offer combined or multi-policy options. While this can be convenient, it’s still important to make sure each part of the cover is appropriate and clearly understood.
Traditional Life Insurance
Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.
Income Protection
Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.
Critical Illness Cover
Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.
Over 50s Cover
Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.
Whole of Life Insurance
Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.
Building and Contents Insurance
Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.
Business Protection
Running a successful property business or investment company involves more than securing properties and financing deals. It also requires protecting the business itself from unexpected events that could disrupt operations or impact financial stability. Business protection provides a safety net to ensure that if something happens to a key individual, the business can continue running and meet its financial commitments.
Start With a Conversation
Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.
I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.
There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.
Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.
Quick links
Legal
Legal
Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgages and protection products are subject to eligibility and lender criteria.
Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.
Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.
MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.
We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.
© 2026 MJS Finance Ltd . All Rights Reserved.