Our home is where we keep the things that are important to us and it’s often one of our most valuable possessions.
Your house is your home, and it means more than just bricks and mortar. The things you place inside your home reflect your personality, lifestyle and moments to treasure; a place to feel safe, be loved, have room to grow, to share good times and make lasting memories. These things are precious, so it is important to fully protect your home – inside and out.
Whether your style is chic, modern, traditional or minimalistic, your home is a valued possession in itself. That’s why here at Downton Mortgages and Financial Services, we advise all of our clients on the benefits of buildings and contents insurance for added protection. These types of insurances come in various forms and it’s important to know what each one covers you for to suit your situation.
Buildings insurance covers the big stuff, like the bricks and mortar of your house, the roof and the structures of outbuildings but the exact things covered depends on the insurance provider and your requirements, but we ensure we look at the best option for you. With buildings insurance you are protected against fire, flood, damage, loss, and theft related to the physical structure of your property.
Anyone who owns a property will require buildings insurance in some form; you need to be protected enough for a rebuild cost to satisfy your mortgage lender for starters. You need to be insured for the amount required to rebuild the whole structure if it was completely destroyed as this protects your lender in the event that your home is damaged or destroyed.
We can work with you to ensure you get the right buildings insurance to suit your needs. Even if you haven’t used us for your mortgage arrangements, we can still help source the best insurance provider for you; you don’t have to be tied to your lender.
Contents insurance covers exactly that – items on the inside of your home such as carpets, furniture, electronics, appliances, jewellery and money (depending on your requirements, we can opt for extras that cover more or less. It can even protect items that are away from home like laptops for university students. Contents insurance protects your belongings if they are damaged, destroyed or stolen and regardless of whether you rent your home or you own it, you should never leave the contents to chance.
How much and what type of cover you need will very much depend on your individual circumstances and budget. Downton Mortgages and Financial Services acts as a broker, not a lender, for buildings and contents insurance to ensure you are as protected as you can be.
We will work closely with you to discuss the value of your house contents, including any high-value single items that need to be specified within your policy. We then use the wide-ranging access we have to our panel of insurance providers to find the most suitable policy for you.
With Downton Mortgages and Financial Services, you will get expert advice that is right for you and your needs and your budget.
If you’d like more information on the mortgage products available, please arrange a FREE call to see how Downton Mortgages and Financial Services can help you.