Home insurance

What is Home Insurance?

There are two types of Home Insurance: Buildings and Contents. They’re separate entities but can normally be bought together with a discount.

Buildings Insurance

Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. Aside from the mandatory aspect, insuring your property and contents is important; imagine having to rebuild your property or replace all of your contents following a flood or fire.

Landlord Insurance

Landlord insurance for buildings and contents may include as standard:

• Loss or damage arising as a result of fire, storm, flood, falling trees, theft, malicious acts or vandalism
• Your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event
• Legal liability as the owner of the building(s) for causing injury to others or for causing damage to their property
• Home emergency cover – for callouts or repairs in the event of an emergency

Contents only cover is only available in the event that the building(s) is/are tied to another insurer, such as in the case of a leasehold flat.

Optional Additions

You can tailor your landlord insurance with the following optional additions:

• Building accidental damage and malicious damage by tenants (e.g., hitting a nail through a pipe, putting a foot through the ceiling when in the loft or malicious damage by tenants)
• Contents accidental damage and malicious damage by your tenants so you no longer have to worry about things such as spills on carpets or malicious damage by a tenant
• Legal expenses, rent guarantee, and eviction of squatters cover insures you for irrecoverable costs and fees to pursue or defend claims involving breach of tenancy agreement and unpaid rent

Please note that Landlord Insurance is designed to cover certain unforeseen events and doesn’t cover everything. It does not cover things such as general wear and tear or damage that gradually happens over time. There is also an excess on each claim.

Save on Your Home Insurance

Pay less for your home insurance if you haven’t claimed in the last 2 years!

Many people don’t realize that they can get a substantial saving on their home insurance for both Buildings & Contents if they haven’t claimed recently. The longer you haven’t claimed, the greater the saving you can make. This can be up to 30% off the normal cost.

We now offer an opportunity to reduce your current monthly building & contents insurance premiums on your residential and/or buy-to-let properties.

How Can We Help?

We can help you by searching our large panel of leading insurers offering Defaqto and Moneyfacts 5 Star Rated cover to seek out savings for you. We have had a high success rate of obtaining a lower monthly premium for a like-for-like building & contents products.

Many of our existing clients have made real savings by getting in contact and allowing us to search on their behalf for the best deal available.

Let us help you join them by carrying out a free home insurance review today. We can check your current cover to make sure it provides the level of protection you need today and seek out better rates for you. You can then use the savings to do something you really want or just reduce the strain on your monthly budget, whichever you choose.

What are my next steps?

Simple. Fill out the form below and we’ll get in touch for a free consultation.