Insurance for homeowners

Homeowners insurance, also known as buildings cover, protects the structure of your property and its permanent fixtures. In the event of damage caused by unforeseen incidents like fire, flood, or storm, your insurer will cover the costs of repairing or rebuilding your property to its original state. Additionally, most buildings insurance policies include coverage for issues such as burst water pipes or subsidence.

When purchasing a new property or refinancing, your lender typically requires you to have buildings insurance. The only exception is if you are buying a leasehold property, as it is usually covered by your service charge.

Contents insurance provides protection for the items within your residence, including furniture, clothing, rugs, and television, safeguarding them against theft or harm. While it is not mandatory to have this coverage for your mortgage, it is highly recommended when considering the expenses of replacing all your possessions. Opting for a combined buildings and home contents insurance policy can result in a more cost-effective solution compared to having two individual policies, a service that our insurance brokers are able to assist you with.