There’s No Place Like Home – Let’s Keep it That Way

Protecting your home and belongings

When you take out a mortgage, it’s compulsory to have suitable insurance in place to protect the property itself. This ensures that if the worst happens such as fire, flood, or storm damage – the building can be repaired or rebuilt. Not every property will need a separate policy though. For example, some leasehold properties (such as flats) may already have buildings insurance included under the terms of the lease. In these cases, it’s still important to understand exactly what’s covered and whether you need additional protection.

The different types of cover

There are several kinds of home insurance available, depending on your circumstances:

  • Buildings Insurance
    Covers the structure of your home (walls, roof, fixtures, fittings). Essential when you have a mortgage.
  • Contents Insurance
    Protects your personal belongings inside the home, from furniture to electronics and clothing.
  • Buildings & Contents Combined
    A single policy that protects both the structure and your possessions.
  • Landlord Insurance
    Designed for rental properties, covering the building, and often with options for loss of rent and liability cover.
  • Tenant Insurance
    Protects the belongings of tenants renting a property (contents cover only).

What affects the cost of Home Insurance?

The cost of a policy depends on several factors, such as:

  • The type, size, and age of your property
  • Location (including local crime rates or flood risk)
  • The level of cover chosen
  • Any optional extras (e.g. accidental damage, legal cover, or home emergency cover)
  • Your claims history
Important Information
For insurance business we offer products from a choice of insurers.
How we can help

At Mortgage Solutions Hub, we can guide you through your home insurance options as part of the mortgage process, making sure:

  • You meet your lender’s requirements
  • You don’t pay more than you need to for the right level of protection
  • You understand whether your building is already covered (e.g. leasehold properties)
  • You get clear advice on additional options like contents or landlord cover if required

We’ll ensure your property is protected from the date you exchange, giving you one less thing to worry about when moving into your new home.

Contact us today