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home protection

We'd love to meet you and discuss home protection.

rebuilding your home

A Buildings Insurance policy should cover the cost of repairing or rebuilding your home if it’s damaged. It should cover you for events such as storms and floods, fire, vandalism, subsidence and water damage. Buildings and contents insurance it is considered home insurance. It is available combined or you can have individual products depending on your circumstances. 

mortgage requirement

Mortgage lenders will require Buildings Insurance to be in place on the mortgaged property you own or let. Not having a policy in place (that is acceptable by the lender) could put your mortgage and your new purchase at risk.

buildings insurance

Lenders insist all mortgaged properties to have buildings cover in place as security for the loan they have provided. This enables them to recover their losses against unforeseeable events. This insurance protects your home from being damaged from events such as flood damage, fire or smoke damage, burst or leaking pipes, subsidence or third party damage or vandalism. Most structural fixtures within your home will also be covered such as walls, ceilings and the roof, gates, fences, hedges and footpaths that all lie within the boundaries of your property, kitchen, any fitted wardrobe, decoration within your property and any cable or pipes

buildings insurance TF Financial
independent financial adviser

contents insurance

This covers all items in your house which are not fixed to the property, such as furniture, jewellery, appliances and clothing.  Contents insurance will cover your individual items in most of the same accidental situations as buildings insurance, but also includes theft of items from within your home such as money, stolen credit cards, office equipment kept at home and lock replacement if damaged.  Any of these perils must have been beyond your control.

optional extras

Optional extras that you can add to your cover – In addition to the basic cover above, you have optional extras including

  • Accidental building damage – This includes damage which you cause to the house, for example whilst doing DIY. 
  • Personal belongings – This will cover personal belongings, such as iPods, computers etc, regardless of whether they are stolen or damaged in the house.
  • Home emergency – If an emergency, such as a burst pipe, occurs within the house, this type of cover will provide you with a tradesman that you can call out for free.
  • Legal expenses – Some buildings and contents insurance will also cover you if an accident occurs within your house or on your property, and another person is hurt.

    Right Mortgage Solutions Ltd trading as TF Financial Advisers act as a credit broker not a lender for Buildings and Contents insurance