General Insurances

Regardless of your mortgage lender, buildings insurance will be a compulsory condition of your mortgage, and must be in place before any contracts can be exchanged. Buildings insurance, however, is important for more than just your mortgage – it’s how you can protect your home and your family should your property suffer damage in the event of a fire, flood, storm, subsidence, theft or even vehicle collision.

Our advisors will always help you ensure that your house insurance is precisely suited to the level of cover required by you and your circumstances. Whether you only want buildings insurance, a combined buildings and contents insurance policy, or a landlord’s building policy if you are looking to rent out your buy to let property, we will always make sure that we find the best arrangements for your situation.

Buildings insurance is essential to your mortgaged property. As a compulsory condition of any mortgage lender, failing to renew your buildings insurance at any point during the term of your mortgage can lead to some serious repercussions, including the potential repossession of your property. It is your responsibility to maintain this renewal, but we will initially help ensure you find the best policy for your circumstances and that your property is insured for its full rebuild value.

Many buildings policies also come with a combined contents cover policy, but contents insurance can also be purchased separately. Contents insurance will ensure that the contents of your home are covered in the event of fire, flood, theft, or a range of other scenarios which might result in the damage or loss of your possessions. Certain insurance policies will also have specific cover for high value items such as family heirlooms or artwork, as well as technology, jewellery and even cash and credit cards. If you have garages, outbuildings or outdoor storage such as sheds, policies can also be fitted to cover the contents of these locations. Should your contents suffer damage or loss as per your insurance policy, your insurer will typically offer replacements as new, and some insurers even have insurance options for accidental damage.

If you are a landlord looking to purchase a buy to let property with a mortgage, however, your mortgage lender will require you to have landlord’s buildings insurance. This is a special type of buildings insurance designed specifically for landlords, that works in a similar way to normal buildings insurance, but can also cover against any damage caused by tenants. As with any other buildings or contents insurance policy, we will ensure that you get the right type of cover for your personal situation, as well as helping you throughout the entire application process.