Home Insurance
Protect your most valuable asset with the right home insurance. We help you find competitive buildings and contents cover to give you complete peace of mind.
Protecting Your Home
Your home is likely your most valuable asset, so protecting it with the right insurance is essential. Most mortgage lenders require you to have buildings insurance in place as a condition of your mortgage, but it's important to ensure you have adequate cover rather than just the minimum required.
We can help you find competitive home insurance that provides the right level of protection for your property and possessions, at a price that suits your budget.
Types of Home Insurance
Buildings Insurance
Covers the structure of your home — walls, roof, floors, windows, and permanent fixtures — against damage from events such as fire, flood, storm, subsidence, and escape of water.
- Required by most mortgage lenders
- Covers rebuild cost (not market value)
- Includes outbuildings and garages
- Liability cover often included
- Covers permanent fixtures and fittings
- Subsidence and heave cover
Contents Insurance
Covers your personal belongings and household items against theft, loss, or damage. Think of it as insurance for everything you'd take with you if you moved house.
- Furniture, electronics, clothing
- Jewellery and valuables
- Optional accidental damage cover
- Personal possessions away from home
- Freezer food cover
- Replacement as new option
What's Typically Covered?
Optional Extras to Consider
Getting the Right Level of Cover
One of the most common mistakes homeowners make is underinsuring their property. For buildings insurance, you need to insure the rebuild cost of your home — not its market value. These can be very different figures.
For contents insurance, it's worth taking the time to add up the value of everything in your home. Most people significantly underestimate the total value of their possessions.
Tip: The Association of British Insurers (ABI) provides a free rebuild cost calculator at abi.org.uk to help you work out the correct sum insured for your buildings insurance.
Insurance Advice
Home insurance products are arranged by Your Mortgage Brokers. Always read the policy documents carefully to ensure the cover meets your needs. The guidance contained within this website is subject to the UK regulatory regime.
Get the Right Cover for Your Home
Let us help you find competitive home insurance that gives you the protection you need at a price you can afford.