Home Insurance, commonly known as buildings & contents cover, can be taken out together or individually. As an independent broker, we ensure your needs are met by selecting from our 5 star rated policy providers as we understand that the value of any policy is in the claim. For personalized advice on the most appropriate policy for your situation, contact Trusted Mortgage and Financial Solutions
Buildings Insurance
Buildings insurance isn’t a legal requirement, but if you have a mortgage, then it’s likely to be a condition of the loan. It covers the cost of repairing or rebuilding your home if it’s damaged by events like fire, floods, or storms.
Without it, you could face significant financial loss if your property is affected by unforeseen damage.
It typically includes cover for structural elements such as walls, roofs, and floors, but not the contents inside your home. Some policies also provide additional protection for outbuildings, garages, and fences. Comparing different policies can help you find the best coverage for your needs at a competitive price.
Contents Insurance
Contents insurance is a particularly useful type of cover that protects you against loss, theft, or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday. Many policies offer new-for-old replacement, meaning damaged or stolen items are replaced with brand-new equivalents. Some policies also include accidental damage cover, protecting against spills, breakages, or other unexpected mishaps.
You may have the option to add high-value item cover for belongings like jewelry, laptops, or bicycles. Comparing policies ensures you get the right level of protection for your needs.
Landlords Insurance
Landlord insurance is a form of building insurance that takes into account the fact you are letting the property and not living there. It typically includes buildings insurance to cover structural damage from events like fire, floods, or vandalism.
Many policies also offer landlord liability insurance, which protects you if a tenant or visitor makes a claim for injury or damage caused by the property. Some policies include loss of rental income cover, which helps if your property becomes uninhabitable due to an insured event. You can also add legal expenses cover to help with costs related to tenant disputes or eviction proceedings.
Surveys & Valuations
Surveys and Valuations refer to processes used to assess the physical and economic aspects of a property. These assessments are often carried out by professional surveyors or appraisers to evaluate a property’s condition, value, or potential issues. This information is crucial for prospective buyers, sellers, investors, or anyone needing an accurate understanding of the property before making financial or legal decisions.
Conveyancing
We’re here to help you find a great conveyancing firm that can take care of all the legal aspects of buying or remortgaging a home. This way, you can relax and let the experts handle the process without any added stress.