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General insurance

House (buildings and contents)
It's important you take the time to value your belongings. Many of us may appreciate the value of our possessions only when faced with a crisis, such as a fire or a burglary. And by that stage it could be too late.

If, when a claim is made, you haven't got enough cover, an insurer can reduce the amount it pays out. But don't be tempted to over insure - this will lead to paying higher premiums than necessary.

Buildings insurance
Buildings insurance covers the structure of your home (walls, windows, roof and so on) as well as permanent fixtures and fittings (such as baths, toilets, fitted kitchens). The amount of cover you need is the rebuilding cost of your home. This includes the cost of demolition (which may be needed after fire, for instance), clearing the site, architects' and other professional fees.

Contents insurance
Contents insurance policies will cover the items inside your home, such as audiovisual equipment, carpets, clothing, furniture, kitchenware, and a limited amount of valuables. Insurers usually apply limits for high-value single items, so specify the value of expensive possessions before you take out the cover. Contents insurance will usually cover you for the replacement of keys if lost or stolen, and damage to locks. You'll also be covered for the theft of cash from your home, up to a set limit. And it will cover your legal liability as occupier of the house, such as liability for injuries to visitors.

Policies can also include accidental damage cover, but you may have to pay extra. This extends cover to include accidental breakages and damage to items such as your hi-fi, TV, computer and video recorder.

Home Buyers and Home Buyers Financial offers insurance and investment advice on products from a limited number of product providers and advice on mortgages representative of the whole market.

Choosing the right mortgage is probably the biggest decision you’ll have to make when buying your new home.

We can help make the whole process much simpler. With literally hundreds of mortgage deals available, its easy to get confused about which one is right for you, even if you’ve been through it before. Is a fixed rate the right route? What about cashback or discounted mortgages or is flexible better? And which lender offers the best rates?

We can offer you expert guidance and help take the worry out of finding the right mortgage. Not only will it help you decide on the right mortgage type, we also help find the best deal for you.

So whether you are buying a home for the first time, re-mortgaging a property or buying the latest in a long line of investment properties, we can help.

We are not tied to specific lenders so we source mortgages from the market as a whole. We can offer you advice on an extensive range of mortgages from some of the UK's major lenders, deals you won't find anywhere else.

Contact our sales consultant on 02890 928 928 to make an appointment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

A fee of a maximum of £250 or 0.5% of the loan amount if greater dependent on individual circumstances is payable on application. Typically this would be £250.

 

Home Buyers and Home Buyers Financial offers insurance and investment advice on products from a limited number of product providers and advice on mortgages representative of the whole market.