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Home Insurance

Buildings Insurance

Building insurance is a mandatory requirement that all lenders look for when arranging a mortgage, regardless of whether you’re buying a property or remortgaging. When purchasing a leasehold property this may already be covered by the monthly or annual maintenance charge. If you are purchasing a freehold property it’s likely that the buildings insurance will need to be covered by you and you will need buildings insurance in place for the exchange of contracts.

What does building insurance cover?

Building insurance covers the fabric and permanent fixtures of your home, such as: the roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards and bathroom suites. A standard buildings insurance policy should cover the full cost of repair or a full rebuild in case of: a fire, lightning strike, storm damage, gas explosion, falling trees, earthquake, vandalism, vehicle collisions with the building or bursting of the plumbing.

Finding the right insurance can be complex, feel free to call us today on 01869-248339 or email us at mortgages@imsinternet.co.uk to receive some expert advice.

Contents Insurance

Aside from building insurance it’s also important to ensure that the contents of your home is insured. Contents insurance isn’t compulsory, but it offers homeowners valuable protection for their belongings in the event that they were stolen or damaged.

Contents insurance covers your possessions against loss or damage by theft or attempted theft, fire, explosion, lightning or earthquake. It will also insure against water leakage, storm or flood damage. The ‘contents’ of your home is defined by insurers as the sort of things you would take with you if you were to move house so it includes items such as furniture, clothes, electrical items, money and jewellery. Contents insurance may also covers some fixtures such as carpets and curtains.

Finding the right insurance can be complex, feel free to call us today on 01869-248339 or email us at mortgages@imsinternet.co.uk to receive some expert advice.

  • Contact us

    If you would like to arrange an appointment to speak with our mortgage team or if you have any questions, please call 01869 248 339 or email us at info@imsinternet.co.uk

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