Home Insurance

Home insurance is a broad term for a variety of insurance policies that can cover not just your home itself, but also the contents and valuables within. It includes both Buildings Insurance and also Contents Insurance. If you have a mortgage then it is very likely your mortgage lender will require you to have Buildings Insurance.

Why is home insurance so important?

Home insurance is designed to financially protects you in the event of damage to your home. This could be damage to the building itself and/or the contents within. Home insurance is very important for everyone to have - this includes both homeowners and renters.

Let us guide you through the process

There are two main types of home cover: building insurance and contents insurance.

For most homes, some sort of combination of the two is considered the standard.

Building insurance generally covers damage repairs to the physical home itself, however the exact damages covered will vary depending on your policy - some will simply cover the damage caused, for example, by a leaking bathtub, but will not cover the damage caused to repair the leak - such as lifted floorboards. This is generally an extra called Track and Trace.

Contents insurance will cover the cost of replacing items, for example stolen items if you were burgled or items damaged by a power cut - however, this again depends on the wording of your particular policy.

If you live in a leasehold property, which typically is a flat, then building insurance will almost certainly be included as part of your property charges and you may not need additional building cover. Check your agreement or speak to the property management company to find out more.

Here at Woodason Financial Services we will work with you to ensure that not only does the solution work for you, but that it also works for your budget - there is no point in taking out insurance that you cannot afford to keep paying for.

Best of all? We will do this all for you without charging you a single penny.

Online comparison sites will not have the insight or knowledge that an insurance adviser will. Speak to an adviser today and ensure you are getting the right insurance for your needs, and that you understand exactly what you are protected against.

At Woodason Financial Services we have in-depth knowledge of what is possible with many insurers, including specific niche circumstances. For example, we could:

• Get you insurance in a flood zone

• Bundle multiple policies with one insurer, reducing the total cost
• Arrange insurance for both you and your business

• Get you insurance when you have been declined elsewhere

• ...and many more!

Contact us today and find out how Woodason Financial Services can help you, completely for free.

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IMPORTANT INFORMATION

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.

woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.

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Registered address: 76 High Street, Brierley Hill, West Midlands, United Kingdom, DY5 3AW.

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