Home Insurance – Building & contents
What Is Home Insurance?
Home Insurance is a term that covers both Buildings Insurance and Contents Insurance.
- Buildings Insurance protects the structure of your home as well as its fixtures and fittings.
- Contents Insurance safeguards your belongings, from furniture to everyday items.
You can personalise your home insurance policy to match your specific needs—whether that’s covering accidental damage, protecting valuables you take outside the home, or adding extras like legal expenses or home emergency support.
Why Is Home Insurance So Important?
When you exchange contracts on a property, it’s a legal requirement to have at least Buildings Insurance in place, as stated in your mortgage offer. That’s why it’s crucial to have a policy that’s tailored to your circumstances and ready to step in if you ever need to make a claim.
Without proper coverage, you might find yourself underinsured or at risk of having your policy void—especially if you’re in a flood-prone area. Choosing a quality policy ensures you’ll get the protection you need and peace of mind when it matters most.
Who Needs Home Insurance?
- Homeowners – Whether you have a mortgage or own your property outright, you’re responsible for both Buildings and Contents Insurance.
- Tenants – While your landlord insures the building, you’re responsible for protecting your belongings with Contents Insurance.
How Can We Help You With Home Insurance?
We make protecting your home simple and stress-free by:
- Finding Competitive Premiums: We research the market to get you a great price without compromising on coverage.
- Tailoring Policies to Your Needs: Only pay for the cover you need, with options that fit your lifestyle.
- Using Trusted Providers: We work with insurers rated 5 by Defaqto*, ensuring quality coverage you can count on.
- Streamlining the Process: From start to finish, we make getting insured as easy as possible.
Get in touch with us today to find the right home insurance policy for you—protection that’s built around your needs!
Landlord’s Insurance – Protecting Your Property, Income, and Peace of Mind
What Is Landlord’s Insurance?
Landlord’s insurance is a specialised type of cover that ensures your rental property and its contents are fully protected. It typically includes three key areas:
- Buildings Insurance: Covers the structure of your property, including fixtures and fittings.
- Contents Insurance: Protects any removable items, such as carpets, white goods, or furniture, whether your property is furnished or unfurnished.
- Landlord’s Legal Expenses: Provides legal protection for issues that may arise during your tenancy.
If you’re renting your property to tenants, it’s crucial to have a policy that protects against accidents, malicious damage, or even unexpected events like home emergencies. Additional options such as rent guarantee and legal expenses can also be included, offering you even greater peace of mind.
Why Is Landlord’s Insurance Important?
Owning a rental property can be a great way to boost your income, but it’s not without its risks. A vacant property or unexpected maintenance issues can quickly turn your investment into a financial burden. Without the right insurance, you may face hefty repair costs or lost income.
Landlord’s insurance is essential for:
- Protecting your investment: Safeguard your property and its contents from damage or theft.
- Maintaining profitability: Ensure unexpected costs don’t eat into your rental income.
- Reducing financial stress: Be prepared for legal disputes, tenant-related damages, or emergency repairs.
Having the right cover in place ensures that you maximize the benefits of being a landlord while minimizing risks to your income and property.
How Can We Help You with Landlord’s Insurance?
Our expert team will:
- Find the Best Deals: We’ll research the market to secure a competitive premium without compromising your cover.
- Tailor Your Policy: Your insurance will be customized to meet your exact needs, so you only pay for what’s relevant to you.
- Partner with Trusted Insurers: We work with insurers that provide 5* Defaqto-rated cover, giving you confidence in your protection.
- Simplify the Process: From start to finish, we make arranging your landlord’s insurance straightforward and hassle-free.
Protect Your Rental Property Today
Speak to us today to discuss your landlord’s insurance needs. We’ll help you create a policy that protects your investment, income, and peace of mind – allowing you to focus on the rewards of being a landlord without the added worry.
As with all insurance policies, conditions and exclusions will apply.
Get in touch
Ready for a chat? We’re here to help you leap into homeownership with ease. Reach out now!