Home Insurance

Home Insurance is an essential requirement of being granted a mortgage as clearly the property needs to be insured to protect the mortgage lender in the event of the house being damaged or destroyed by whatever causes. Home Insurance is different to home contents insurance which, as the name suggests, covers the house contents – valuables and furnishings/fittings as opposed to the house structure itself.

House contents cover insurance covers you for valuables in the house such as watches, jewellery, electrical equipment as well ac carpets and furnishings. The devastating effect of a kitchen fire can smoke damage many items in a house, as can a flood from frozen or corroded pipes. There is also the unfortunate possibility of a burglary that can leave huge costs to replace precious items. When you do an inventory of your house you will be shocked at the replacement value of everything within.

Home building insurance cover will cover damage repairs or indeed rebuilds in the event of a catastrophic event that may damage or even destroy your home. Falling trees smashing roofs, fires that damage the property severely, and wind and storm damage are all normally covered by home insurance.

Factors that affect the home insurance premium include the value of the property, its postcode location which may be a low-risk or high-risk area for various factors such as flooding or burglary. Other elements that have an impact on premiums are previous claims by the applicant as well as high-value items that need to be covered by your home insurance. These may include expensive jewellery, watches, paintings and works of art etc.

Applying for home insurance is relatively easy and will require standard questionnaires to be completed that relate to the number of people in the property, its age and size, potential risk and content value.

For Buildings and Contents Insurance, we offer a referral service to Uinsure and/or The Right Referral Service. With your permission, we would pass your details to Uinsure and/or The Right Referral Service and they would then contact you and discuss your requirements. If you proceeded with either of them, we would receive a commission for introducing you to them.

INSURANCE ENQUIRIES – IMPORTANT INFORMATION

Please note that we are a mortgage broker and do not provide advice on insurance products.

All Home Insurance enquiries will be referred to Uinsure and/or The Right Referral Service. By submitting an enquiry, you consent to your details being passed to them for the purpose of discussing your insurance needs.

Uinsure and/or The Right Referral Service will arrange for a suitably authorised and regulated adviser to contact you. Any advice or recommendation provided will be the responsibility of that adviser.

We do not assess your insurance requirements, provide recommendations, or arrange insurance policies directly.

There is no obligation to proceed with any recommendation provided.

Any insurance product you choose to take is entirely separate from your mortgage application.

DATA SHARING

In order to facilitate your enquiry, we may share your name, contact details, and relevant information with Uinsure / The Right Referral Service. Your data will only be used for the purpose of contacting you regarding insurance products.

For further details on how your data is used, please refer to our Privacy Policy.

“Home Insurance enquiries are referred to Uinsure and/or The Right Referral Service. We do not provide insurance advice. A suitably authorised adviser will contact you to discuss your requirements and, where appropriate, make a recommendation.”