You’ve got the home! Now let’s make sure you and your home are protected. 

Home Insurance 

Also known as buildings and contents. Home insurance is designed to cover your building or the contents within the property in the event of being damage to make sure it's covered. 

Buildings Insurance 

In the event of structural damage to your property, whether that be to the roof, walls, floors or ceilings, the cost to rebuild or carry out repairs needed to the property are covered by building insurance. This cover needs to start when you are responsible for the property, this will be as soon as you have exchanged contracts. 

Contents Insurance 

Contents insurance covers the possessions in the property. For example furniture, carpets, jewellery, TV. If you turned your property upside down, anything that moves is a content. 

Protecting You 

Thinking about the consequences should anything happen to the main breadwinner isn't something any of us want to contemplate. However it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.  

Life Insurance 

Life insurance pays out either a cash lump sum or continuous payments should you die during the term of the policy. The cash lump sum could be used to clear your mortgage or you could set the policy up so that you provide an income for your family and dependents. 

Critical Illness Cover 

Critical illness cover pays a cash lump sum to the policy holder if during the term of the policy is diagnosed with a critical illness that is covered under the policy, such as cancer, heart attacks, stroke and many more. The lump sum could be used to clear the mortgage, pay for medical assistance, maintain your life style or even allow you to take a career break whilst you recover. 

Income Protection 

Income protection provides an income to the policyholder if they are deemed unable to work due to an accident or illness. It will give you that peace of mind knowing you are able to pay your bills while you recover. 
As with all insurance policies, conditions and exclusions will apply. 
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