Home Insurance Quotes & Advice

Simply fill in the form below to get free home insurance quotes from one of our qualified mortgage advisors. Because home insurance is offered by a broad range of providers it will save you considerable time and effort to let us search the market for you.

Request Home Insurance Advice & Quotes.

We treat all the information provided by you with the utmost care and security. Any details you give will remain confidential and will only be disclosed at or with your consent, where we are legally obliged to do so or where we have a duty to the public to disclose that information.

The information collected by us will be used for the purposes of processing and to communicate to you information about other products and services. We will discuss your needs and circumstances and produce free illustrations for any suitable home insurance quotes as well as providing home insurance advice.

If you do not consent to your details being used in this way please email mail@rightmortgageadvice.co.uk

How much buildings cover do I need?

Your buildings will typically cost less to rebuild than the purchase value of a property as the value includes the inherit value of the land the property sits on as well as that of the building. The exceptions to this rule are generally properties with bespoke or unusual construction which may include very expensive materials or craftsmanship.

Your buildings should be covered for at least the minimum of the reinstatement value which will be listed on the valuation report when you bought your property. This is the minimum the lender will require if it is a condition of your mortgage contract to have cover in place.

However it should be remembered that this is an estimation of cost which is one of the advantages of having a block cover which is significantly higher than the reinstatement value as it allows room for increases in costs and materials over time. If you have owned your property for considerable time without a mortgage and are unsure of the rebuild cost it may be worth arranging a valuation to check this.

How much contents cover do I need?

It is estimated that most buildings and contents are grossly under-insured. To get an idea of how much cover you need, go through your property and add up the estimated cost when new of all the items that are not fixed down (I.e. all the items a normal person would remove when moving house) and this is your minimum contents cover requirement.

It is important to remember that if you are underinsured the insurer will apply the rule of averaging. This means if you have £100,000 of contents which are insured for £50,000 the insurer will pay you for 50% of the £50,000 which is £25,000! So it pays to have little extra cover.

My mortgage lender needs to be listed how do I arrange this?

We can arrange this during the process of setting up a policy. By notifying the insurer of the lenders interest in the property they will be listed on the cover and the insurer will send them proof of cover when the policy is arranged. The lender may charge a nominal fee (often £25) for administration costs when you change your cover however if it is not a condition of your mortgage contract to have cover in place the lender will not need notification

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