Buildings & Contents Home Insurance

A FRESH APPROACH TO HOME INSURANCE

SPEAK TO ONE OF OUR EXPERT INSURANCE ADVISERS

Our aim is to ensure you are made aware of the different types of protection cover available on the market and the benefits these can bring to you. It can be difficult to understand what types of protection cover you need and what it all means. That’s where our protection experts can advise you on the right cover for you, taking into account your individual personal requirements, outgoings and lifestyle expectations. Our aim is to ensure you are offered a tailored protection solution so that you and your family are taken care of should the unexpected happen. Our advisers will also help and advise you on putting your policy in trust for no extra cost.

We will continue to stay in touch once your initial review has been completed – it is important that we review your circumstances because you may need to adjust the level of cover you have over time as your level of income or outgoings increase or decrease.

HOME INSURANCE EXPLAINED:

If you are looking for a home insurance quote you are in the right place! With Fresh Approach Finance, we can search and compare some of the UK’s top home insurance providers to find a quote that’s right for you and your property.

WHAT IS HOME INSURANCE?

It’s a policy designed to protect your property and possessions.
Cover comes in two parts and you can choose either one or both of these based on your needs:
• Buildings cover insures your bricks and mortar for events like fire and weather damage
• Contents cover could protect your belongings against problems like theft, damage and loss

WHY WOULD I NEED IT?

Buying a property is likely to be one of the biggest investments you will ever make and replacing your things if you suffer a loss could be expensive.
If you are a homeowner, you might need buildings and contents cover, or just buildings:
• Most mortgage lenders insist that you have buildings cover to protect their investment
• Don’t always choose your mortgage lender’s policy, shopping around could save you money

If you are renting, you do not usually need buildings cover but you may want contents cover:
• Contents cover could help you with the cost of replacing your goods if you suffer a loss
• Avoid underinsuring your belongings, as your insurer may pay out less if you make a claim
Whichever option you choose, it’s important you get the right level of cover for your needs.

HOME INSURANCE PLANS AVAILABLE:

BUILDINGS INSURANCE

Generally speaking, it covers the non-moveable parts of your home like fitted kitchens, bathrooms and other fixtures as well as the building itself. Before you buy a house, most mortgage lenders will insist that you take out a policy to cover the building.
With a buildings insurance policy, you could be covered for:
• Damage to your house from flooding, fire and storms
• Structural damage caused by subsidence and fallen trees
• Damage to outbuildings like garages, sheds and patios
• Accidental damage, in case you put your foot through the attic floor

Storm damage is the second most common claim on a buildings insurance policy after accidental loss or damage, such as a broken window. With unpredictable weather changes, getting covered is worth considering.

CONTENTS INSURANCE

It is a policy designed to secure your belongings against theft, loss and damage. Typically it insures items like your electrical goods, furniture and clothes. You could add cover for accidental damage or high value items to your policy.
There are normally two types of cover available:
• Indemnity considers the age of your items and accounts for any wear and tear
• New for old replaces your goods with a brand new equivalent regardless of their age, although some exclusions may apply.

YEARS EXPERIENCE IN THE FINANCIAL INDUSTRY

YEARS TRADING HISTORY

CLIENTS HELPED OVER THE PAST 10 YEARS

Speak to one of our specialist advisers today…

FREE NO OBLIGATION ADVICE

Your information will only be used to talk to you about your requirements.
We do not sell or pass on your information. Everything is in the strictest confidence.