Why have insurance?
Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. If you are purchasing a leasehold property, this may be covered by a maintenance charge. If you are purchasing a freehold property, the buildings insurance will more than likely need to be covered by you.
It is a condition of every mortgage offer than buildings insurance is in place. If you are purchasing a freehold property, you will need buildings insurance in place for the exchange of contracts. Our bespoke product offers free standard buildings insurance between exchange of contracts and your completion date, so you only pay for the cover once you complete.
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. Our advised service will be able to guide you through the process, ensuring your property and contents are covered to the right level, at the right time.
Why choose our home insurance?
We mirror the mortgage process and have regular contact with your mortgage adviser to ensure your policy is set up at the correct point in the process.
When you speak to us about Home Insurance you will be speaking to a trained insurance adviser who will understand your needs and tailor a policy to suit your personal requirements. Your adviser will make sure your property is insured for the full rebuild value, as well as arranging cover for the contents of your property, including personal valuable items you take away from home such as jewelry, laptops and mobile phones
Our customers can also qualify for free Home Emergency Cover (buildings insurance only) and Free Family Legal Protection (buildings and contents insurance). Home Emergency cover is a 24 hour helpline for emergencies at your property, such as a break in, a water leak or boiler failure. Our insurer will arrange for a tradesman to attend any time day or night to rectify the emergency, up to the value of £500 per call out.
The second free benefit is Family Legal Protection which provides access to 24/7 legal advice and £50,000 worth of legal cover for events such as private tax affairs, personal injury, motoring prosecutions and employment contract disputes. Ask your home insurance adviser for further information about these additional free benefits.
Benefits of arranging your home insurance with us
- Bespoke, high-quality insurance cover from us
- Fee free insurance advice
- Free Family Legal Protection with both buildings and contents insurance
- Free Home Emergency cover with buildings insurance
- Free buildings insurance cover between exchange and completion (purchase only)
- No form filling or admin, we do it all for you