Insurance for Homes
We have an expert team of insurance advisers that will help you protect the contents and structure of your home against various risks. We’ll work with you throughout the entire process to evaluate your needs and make sure that you have the insurance coverage that you need for yourself and your home. We have access to the entire market so we will find you something that is perfect for you.
Building Insurance
Building insurance is a compulsory insurance that every lender looks for when arranging for a mortgage. It doesn’t matter whether you are remortgaging or just buying a property. This might have been covered by the annual or monthly maintenance charge if you are buying a leasehold property. But if you are buying a freehold property, it is most likely that the building insurance will need to be paid by you and you will need a building insurance before an exchange of contracts can take place.
What Building Insurance Covers
Building insurance covers permanent fixtures and fabric of your home. This includes doors, windows, bathroom suites, ceilings, fitted kitchens, roof and walls. A building insurance should cover every repair cost or a full rebuild in case of a gas explosion, earthquake, vehicular collision with the building, damage by storm, fire, falling trees, vandalism and damage to plumbing.
Contents Insurance
You must also ensure that the contents of your home are insured. Content insurance is not mandatory but it is quite necessary as it gives you good protection for your belongings in case they are damaged or stolen.
What content insurance covers
Content insurance covers your possessions against damage by fire, earthquake, explosion, water leakage, flood, storm, theft or attempted theft and loss. The kind of things that you will take with you if you were to move to a new house are the kind of things that are defined by insurers as the contents of your home. They include clothes, money, electrical items, jewelry, furniture and clothes. Curtains, carpets and other fixtures might also be included.
When you are making arrangements for contents insurance, you must check the level of the coverage the insurance policy contain well. It is important that you have the right level of protection. A lot of people do not know that their homes don’t have the right level of protection. There are estimates that about 20% of homes are underinsured due to the fact that the homeowners do not know the true value of the contents of their home.
Why price comparison sites should be avoided
A lot of these price comparison sites only offer standard insurance policies and they won’t take your personal needs and circumstances into consideration. You will be left with a lot of unsolved issues and you won’t be clear on certain things as they won’t give you advice that fits your specific needs. You might not be aware that you are underinsured and you might be unable to make a claim just because of some legal issues or small print that you’re not aware of when the application process was going on.
When you arrange your home insurance through us, you can be assured that you are working with experts that will guide you through the entire process and ensure that you are sold the right policy that will fit you and your individual needs.
Why you should choose us for your home insurance
We have a team of expert insurance advisers that will contact your mortgage adviser regularly to ensure that your insurance policy is adequately setup.
Your dedicated insurance adviser will ensure that your property is insured for the full rebuild value and they will arrange cover for the contents of your property. These include personal items that can be taken away from the home like mobile phones, laptop computers and jewelry.
If you arrange your home insurance through us, you get the following benefits:
You won’t need to do any form filling. Our team ensure that everything is done perfectly for you. You will get access to specialized insurers for cases that are not standard. You will have high-quality insurance covers selected for you in the entire market. Our products have the highest industry certifications. We can create customized policies that will meet your personal needs.
LIFE INSURANCE MORTGAGE PROTECTION INSURANCE
A mortgage is the largest financial commitment that most people make in their lifetime. It is important to plan for the unknown and ensure that the right protection is available to protect you and your loved ones.
Shield
A lot of people insure their properties like cars, pets and mobile phones but they neglect themselves and their families. It is believed that at least 50% of people are liable to have a form of cancer in their lifetime. This is one reason why it is important that you ensure that you have good life insurance coverages.
Protection
If you were unable to work because of an accident, illness or loss of life, you won’t be able to earn money to pay for your everyday needs, family lifestyle and your mortgage. You must prepare sufficiently for any unforeseen circumstance.
Umbrella
While you are undergoing the process of buying your house, our mortgage advisers will discuss the advantages of protection insurance. It is recommended that every client who has taken on a mortgage should consider having an insurance protection. Our dedicated insurance advisers will find a price on policies that is competitive enough. If you have a mortgage arranged and you don’t have any protection on ground, our insurance advisers will help you find one.
