Home Insurance
When you take out a mortgage, it’s compulsory to have suitable insurance in place to protect the property itself. This ensures that if the worst happens - such as fire, flood, or storm damage - the building can be repaired or rebuilt.
Not every property needs a separate policy. For example, some leasehold properties (such as flats) may already have buildings insurance included under the terms of the lease. In these cases, it’s still important to understand exactly what’s covered and whether you need additional protection.
Types of Home Insurance
There are several kinds of home insurance available, depending on your circumstances:
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Buildings Insurance
Covers the structure of your home (walls, roof, fixtures, fittings). Essential when you have a mortgage. -
Contents Insurance
Protects your personal belongings inside the home, from furniture to electronics and clothing. -
Buildings & Contents Combined
A single policy that protects both the structure and your possessions. -
Landlord Insurance
Designed for rental properties, covering the building and often options for loss of rent and liability cover. -
Tenant Insurance
Protects the belongings of tenants renting a property (contents cover only).
What Affects the Cost of Home Insurance?
The cost of a policy depends on several factors:
- Type, size, and age of your property
- Location (including local crime rates or flood risk)
- Level of cover chosen
- Optional extras (e.g., accidental damage, legal cover, home emergency cover)
- Your claims history
How We Can Help
At 
, we guide you through your home insurance options as part of the mortgage process, ensuring:
- You meet your lender’s requirements
- You don’t pay more than necessary for the right level of protection
- You understand whether your building is already covered (e.g., leasehold properties)
- You get clear advice on additional options like contents or landlord cover if required
We’ll make sure your property is protected from the date you exchange - giving you one less thing to worry about when moving into your new home.
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Important information
For insurance business we offer products from a range of insurers.