HOME INSURANCE

Whether you are buying a new home, remortgaging or just looking for a better deal upon renewal we can find the right policy for you.

• Buildings insurance is compulsory for all mortgage holders, as it will reinstate your property to its original state in the event of a successful claim.

If you are buying a home we will make sure that your buildings insurance policy starts from the day you sign the contract, not the day you move in. You are legally bound to buy the house once you've signed on the dotted line. If anything happens to the house between those dates, you may be greeted with a pile of charcoaled rubble and no insurance payout.

For any DIY enthusiasts out there we suggest you consider taking full accidental damage cover as an extra option!

Leasehold properties have the building insured by the freeholding company, to whom you would normally make a contribution towards the premium.

• Contents insurance is optional and covers movable objects inside the house, for example furniture, clothing and electrical appliances.

We can arrange specific cover for any valuable items like jewellery, watches or artwork.

Whilst cover is optional we strongly advise against you not having any, taking the ultimate risk of a fire or burglary. With burglaries on the rise, due to the credit crunch, you should make sure that don't suffer the consequences of not being covered.

THE PRODUCTS DETAILED ABOVE ARE NOT INVESTMENTS AND HAVE NO CASH-IN VALUE AT ANY TIME.

All of these policies have benefits and drawbacks. Drawbacks can include exclusions and limits to the amount of cover. We will discuss these with you before we make a recommendation.