Home Insurance

At The Mortgage Experts, we understand the importance of protecting your home and your belongings. That is why we offer expert guidance on securing the right home insurance for your needs. Whether you own your property outright or rent, having the correct cover in place can save you significant stress and expense in the event of damage, theft or loss.

What Does Home Insurance Cover?

Home insurance typically comes in two main forms:

• Buildings insurance – This protects the structure of your home, including the roof, walls, floors, windows, and any permanent fixtures such as fitted kitchens and bathrooms. It covers damage caused by events like fire, flooding, storms or subsidence.
• Contents insurance – This covers the items inside your home such as furniture, electronics, jewellery and other personal possessions. If your belongings are stolen, damaged or destroyed, contents insurance helps you to replace them.

Do I Need Both Types of Cover?

Most freehold home owners will have both buildings and contents insurance in place to ensure full protection. If you have a mortgage, your lender will often require buildings insurance as a condition of the loan.

For leasehold home owners or tenants, contents insurance is usually the more relevant option, as the building structure is typically covered by the freeholder or landlord. However, it is still vital to insure your personal items against unexpected damage or theft.

Why Choose The Mortgage Experts for Your Home Insurance?

Our team of experienced advisers takes your individual circumstances seriously. We provide tailored advice based on a broad panel of trusted insurance providers.

Whether you are insuring a family home, a rental property or a flat, we will help you find the most suitable policy at a competitive price.

We are also here to answer all your questions about home insurance, making the process straightforward and stress free.