family in home

Home insurance

At Breeze Mortgages we know what’s important when it comes to having the right insurance for your home. There are a variety of differing options and levels of cover which can be complicated to fully understand.

At Breeze we take the time to provide expert advice as well as understanding your circumstances, tailor fitted for you. This gives you the freedom to sit back and relax, rest assured your home and assets are well protected with the right cover at the right price.

 

Why do I need home insurance?

As you may have seen, having buildings insurance is mandatory when taking out a mortgage, regardless of lenders and types of borrowing. 

On your mortgage offer, there is a condition in place which ensures that buildings insurance is in place for every transaction. If this is a freehold transaction, it is likely you will need buildings insurance arranged prior to exchange of contracts.

If you are purchasing a freehold property, it is likely the buildings insurance will need to be covered by you. However, if you are purchasing a leasehold property, this may be covered by your maintenance charge and lease so it is important to check this.

You need to seriously consider the quality of cover for your property and the contents within. Your house is probably the most expensive purchase you’ve ever made, but it’s not just an asset. It’s you and your family’s safe place; your personal space; and the location of your prized possessions. 

With our advised service we can guide you through the levels of cover available, ensuring you have the right policy that is suitable for your needs.

couple applying for mortgage

What makes us different?

Plus, the ability to add additional benefits to your policy, such as home emergency cover, rent guarantees and high value item coverage, so you know the policy is tailor fitted for you.

Lets discuss your protection needs today.

See the deals you qualify for & how much you could borrow by either calling us or completing our online enquiry form.
mortgage advisor