Property Insurance

We can search through a range of products from leading UK Insurers to find a policy that suits you best.
PLEASE GIVE US A CALL & WE'LL FIND THE BEST COVER & PRICE FOR YOU.
Buildings and contents insurance is insurance that will cover and replace any damage that might occur to your house or its contents.

Some mortgage suppliers will make buildings insurance compulsory when you take out a mortgage with them. Virtually every home in the country will have buildings insurance to protect against unforeseen circumstances.

What is Building Insurance?

Buildings insurance covers the structure of the building such as the walls, roof, floors, ceilings, windows and doors from damage. A buildings insurance policy should cover funds to rebuild your house in an event of it being completely damaged beyond repair.

The damage can come in many forms and is listed below:
  • Weather damage such as lightening, storms etc
  • Earthquakes
  • Vandalism
  • Bursting of pipes
  • Falling trees
  • Flooding
  • Subsidence
Make sure to check that you are not living in a high risk area of damage such as flooding. You may have to pay extra on your policy if you are but you will get peace of mind knowing that you are adequately covered.

Many building insurance providers also cover you for garages, conservatories, greenhouses, fences etc. Make sure you check the policy to see what you are covered for. Policies may also cover permanent fixtures and fitting including cupboards, toilets, baths and kitchen units and again it is important to check what your policy covers.

Always shop around for the best building insurance and not the cheapest as you may leave some important items uncovered under the policy. Unfortunate accidents may happen to your property from time to time so it is imperative that adequate cover is taken out to protect your home.

For Buildings Insurance we offer products from a selected panel of providers.

What is contents insurance?

Contents insurance covers your household possessions such as jewellery, electronic goods, furniture, carpets and clothing against theft, loss and damage. Contents insurance is not necessary but it is essential if you want to protect your valuables which you have paid a lot of money for over the years.

Generally, there are two types of contents insurance available; indemnity policy and 'new for old' policy. The indemnity insurance is the cheapest available and covers items by a wear and tear policy. For example, if a carpet was spoilt by paint then the claim would reflect how old the carpet was and pay out accordingly. On the other hand, 'new for old' policy is more expensive but would pay the full amount for a brand new carpet.

Many content insurance providers offer an accidental damage option as standard but usually you will have to pay extra if you want this cover. Cover for extra items can be bought if needed such as expensive jewellery, antiques and also your fridge freezer in case of power failure which means you can claim for the contents of your fridge.

Home contents insurance can also include the following things that don't necessarily stay at home:
  • Prams
  • Mobile phones
  • Handbag
  • Watches
  • Clothing
  • Bicycles
Always check with your home insurance contents provider for what you are covered for under your policy or read the small print that is attached with your paper work.

Bear in mind that it is possible to combine buildings and contents insurance together and obtaining a quote. This will often get you a good deal and save you hundreds of pounds.

For Contents Insurance we offer products from a selected panel of providers.

Home insurance for landlords

Landlord insurance is the same as normal types of home insurance that everyday people apply for. All landlords need buildings insurance for the property that they may own but contents insurance is not essential as it will depend on how the property is equipped.

Landlords should conform to the list below to help minimise risks that property letting may involve:

Landlord liability - This covers for injuries that the person living in the rented accommodation my claim for against the landlord. If conditions are dangerous in the rented accommodation as a result of negligence on the landlords behalf then this could affect the claim.

Emergency assistance - Protection against call out fees for contractors carrying out work for emergencies. These may include roofing damage, heating problem, lost keys, plumbing etc

Extra cover - For example, loss of rent due to the tenant not paying up. Additional cover could help in these circumstances.

As Financial Advisers we can help find the plan that best suits your requirements.

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A professional fee for arranging your mortgage is charged. The amount is £299 and we will retain the lender commission. Alternatively you can pay a fee of 1% of the loan amount and we will refund you the lender commission.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE’

Finesse Mortgage Services is a trading style of Nicola Chesson. Nicola Chesson is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

Finesse Mortgage Services is entered in the FCA Register, and its FCA Register number is 604531.

The FCA does not regulate some forms of Buy to let mortgage. The FCA does not regulate Solicitors and we act as introducers for it. The FCA does not regulate estate agency and we act as introducers for it.

For Buildings & Contents Insurance we offer products from a selected panel of providers.

The guidance and/or advice contained in this website is subject to UK regulatory regime & is therefore restricted to consumers based in the UK.