Save money by using Mortgage & Insurance Needs to find your Home Insurance quote in the UK for 2022!
What is Home Insurance?
Updated: 8th December 2021
Home cover is a type of insurance that puts both Buildings and Contents into one combined policy. It’s designed to cover the cost of having to rebuild your home, should it be damaged or destroyed, as well as covering the cost of replacing your belongings if they are lost, stolen or damaged.
The buildings element is designed to cover the cost of damage to the structural elements of the property. The contents element is designed to cover the cost of replacing your contents.
Most people tend to take a combined Home Insurance policy as the difference in premium is negligible, but it does depend on the individual.
Do you need Home Cover?
If you plan on purchasing a property with a mortgage, it is usually a condition of the lender for Buildings Insurance to be in place ahead of completion.
As the buildings element is only one part of Home Insurance, officially you wouldn’t need Home Insurance. However, as mentioned above, the difference in cost between a standard Buildings policy and a combined policy is negligible.
Most underwriters will offer a discounted rate to take both the Buildings & Contents combined, rather than two separate policies.
Book Your FREE Protection Review
We have access to some of the UK’s largest underwriters and therefore have the ability to compare different policy features there and then. We will ask you some questions about your property and possessions to establish exactly what’s important to you.
This can be done over the telephone, Zoom or face to face. If you would like to discuss your home insurance options, simply book an appointment or call a member of the team.
Type of locks
Mortise Lock 5 or More Levers
3 Bolt Multi Point Locking System
Rim Lock Automatic Deadlock
Why choose M.A.I.N for Home Cover?
We have access to exclusive rates and offers with certain underwriters, helping you to save time and money. It is part of our service when applying for a mortgage through MAIN, to arrange a Buildings & Contents Insurance quotation for you.
However, if you have not arranged a mortgage with M.A.I.N, we can still help save you time and money on your Home cover.
Simply click through our online questionnaire, to see how we can save you money and improve on the current terms you have in place.
Once you have completed the quotation, we will send you an email with the best priced providers along with the key features for you to compare. We will also follow up with a call to discuss your options with you.
MORTGAGENEEDS.INFO LTD TRADING AS MORTGAGE & INSURANCE NEEDS ACT AS A CREDIT BROKER NOT A LENDER FOR BUILDINGS AND CONTENTS