Buildings Insurance

When you own a property, having the correct insurance is absolutely crucial. We take great care in advising our clients on the most appropriate insurances available.

When a mortgage or loan is secured on a property, having and maintaining a Buildings Insurance policy becomes a legal obligation, and gives both you and the lender peace of mind.

Buildings Insurance is Mandatory

If you have a mortgage, ALL UK mortgage lenders will require you to insure at least the buildings.  Buildings insurance covers the structure of your home, not the contents – having buildings insurance is compulsory when a mortgage is secured on a property. Building insurance is required whether a property is Let out to Tenants or lived in by yourself.  We can also help with more specialist insurance where you have tenants as you may have a few more liabilities as a landlord to your tenants.

Buildings insurance covers permanent fixtures and fittings such as roofs, fitted wardrobes & windows. We have access to a panel and can advise you on the most appropriate policy available to you. A good policy will insure your home against a range of different risks including: storm and flood damage, fire and smoke damage, falling trees or branches and theft or attempted theft.