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Home insurance.

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Home insurance.

Home insurance is often a necessity when taking out a mortgage. We will ensure you get the expert advice needed to obtain the right cover for your property from a Defaqto 5 star rated insurer.

Buildings insurance

Buildings insurance covers the cost of repairing damage to the structure of your property. This includes such things as the roof, walls, floors, doors and windows to name a few. The damage caused may be as a result of the following but not specifically, fire, storm, falling trees, vandalism and damage caused by burst or freezing plumbing.

Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. It is a condition of every mortgage offer that buildings insurance is in place for the exchange of contracts.

Aside from the mandatory aspect, insuring your property and contents is important. Imagine the cost of having to rebuild your property or replace all of your contents following a fire or flood.

Contents insurance

Contents insurance covers the loss of, or damage to the contents in your home. This includes such things as furniture, electrical goods, clothing and many other items within your home. Some policies offer additional cover for items you may take outside of the home, for example mobile phones, jewellery, push bikes to name a few.

Different policies offer different levels of cover but generally you’ll be covered against fire and theft, and have the option to insure against damage you may cause by accident.

Contents only cover may be relevant in certain circumstances where the building is already insured, such as in the case of a leasehold flat.

Landlord insurance

Landlord insurance protects landlords from risks linked to their rental property. It can cover any unexpected costs similar to standard building and contents insurance however potential legal disputes could also be covered including.

Landlord’s insurance can offer the following additional extras:

  • Landlords loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.
  • Property owners liability cover for causing injury to others or for damage to their property.
  • Home emergency cover – for call-outs or repairs if you have an emergency.
  • Malicious damage caused by tenants.

Please be aware the above information is intended to provide a general appreciation of the title topic and it is not advice. Contact us to discuss your options in detail in order for us to make an appropriate recommendation specific to your needs.

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