Home Insurance

Home insurance is designed to help protect your property and belongings against unexpected events such as fire, flooding, storms, theft and accidental damage, depending on the level of cover you choose.

Buildings insurance helps protect the structure of your home, including the walls, roof, floors and permanent fixtures. Contents insurance covers your personal belongings, such as furniture, electrical items, clothing and valuables. Many homeowners choose a combined policy that includes both.

No, home insurance isn’t a legal requirement in the UK. However, if you have a mortgage, your lender will usually require you to have buildings insurance in place before your purchase completes.

Although it’s not compulsory, home insurance can help protect you against the cost of repairing or replacing your property and belongings following unexpected events.

Accidental damage isn’t always included as standard. Many insurers offer it as an optional extra, so it’s important to check what’s included in your policy before taking out cover.

The cost of home insurance depends on factors such as your property’s location, the level of cover you choose, your claims history and any security measures you have in place. Comparing policies can help you find cover that’s suitable for your needs and budget.

Yes. Many insurers offer combined home insurance, allowing you to protect both your property and your belongings under one policy.

At Mortgage Experience, our experienced protection advisers will help you compare home insurance options and find cover that’s tailored to your property, belongings and individual requirements.