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The two types of home insurance that you'd be wise to consider when living in the UK are buildings insurance and contents insurance. Here is a simple introduction below:

Buildings insurance

A buildings insurance policy, which is required by mortgage lenders, covers damage to the structure of your property as well as permanent fixtures and fittings. You are usually expected to cover your home for the rebuilding costs rather than the actual value of your home - this amount could differ significantly.

Buildings insurance typically covers you for fire, flood, water damage and other hazards - but it is worth checking with your insurer as to what is included in the policy. Buildings insurance is usually compulsory when applying for a mortage as this will cover the lenders investment.

Contents insurance

A contents insurance policy offers cover on the contents of your property, i.e anything non-permanent that could easily be removed from your home. If your belongings were lost or damaged by fire, flooding* or as a result of a break-in, your contents policy will cover this. You can insure your contents for any amount, some insurance companies will offer unlimited contents cover.

*Flood insurance usually covers damage from burst water pipes/water mains.  Some insurers may not cover flood damage caused by weather/storm damage, it is always best to check the terms and conditions of your policy.

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There is home insurance available for specific situations, such as Unoccupied House Insurance, Insurance for Second Homes and Insurance for Holiday Homes.

Protect your belongings

As well as covering items within your property, your home insurance could also offer cover belongings that you carry around everyday.

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Protect your home

Should your home become damaged and uninhabitable most home insurance policies will cover you for the cost of the rebuilding the whole property.

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Make sure you're covered

Home Insurance may not cover you for all events such as landslides or flooding, this may require specialist insurance, so make sure you check the policy to ensure you have the exact cover you need.

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How can we help you?

So Smart Money are specialists when it comes to mortgage and insurance. We have access to the UK’s leading brokers and using their knowledge and skills they'll place you with the most suitable lender and product for your needs.

Speak to an expert for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.

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"I've used sosmartmoney a couple of times now, I checked my old mortgage with them and it encouraged me to get a better deal."

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