family in home

Home insurance

Ensuring the safety of you, your property, and belongings.

  • Tailor fit policies including home emergency cover as standard
  • Only 5-star Defaqto policies recommended
  • Buildings insurance is a legal requirement from lenders

When purchasing a home, it’s crucial to consider both buildings and contents insurance.

There are two types of home insurance policies available: buildings insurance and contents insurance. While contents insurance safeguards your belongings, buildings insurance covers the structure of your home. These insurance policies can be purchased separately or combined as a joint home insurance policy.

This means that should the worst happen; you’ll be able to replace your assets and rebuild your home.

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.

Call 01225 280 900 today to discuss quotations for a free review.

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.

Our team 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.

Everyone’s needs are different, talk to our protection team to find out more.