Building and contents insurance is a must if you own a property. Many mortgage lenders require it if you’re planning on buying a home.
Buildings and contents insurance helps you keep your property safe from accidental or criminal damage. Most homeowners will have a basic form of this insurance and many mortgage providers will want proof of this before lending.
Although not particularly costly for regular sized houses, if you have a portfolio of property, a large home, or own property in an area that’s at risk of flooding, it can be expensive to take out the cover you need. The main high street insurance providers will also rarely offer the best rates.
Our insurance advisors can help you find the right deal for you. We’ll look at your property, the rates on offer from the entire market, and find you the cover you need for the best price possible.
How Can Insurance Advisors from Rite Mortgages Help You?
We’ve got decades of experience in property and insurance advice.
We’ll review your needs for free with a no-obligation initial consultation.
We check out the entire insurance market to find the cover that best suits your property and budget.
We’ve got access to exclusive deals from insurance providers you won’t find anywhere else.
We’re directly Authorised by the FCA (Financial Conduct Authority).
What Does Building and Contents Insurance Cover?
Buildings insurance covers every part of the building itself, but not the items inside it. This means everything from the walls, roof and structure of the home, to the fittings and other “static” parts of the property.
Usually, the insurance will cover damage due to fire, gas leaks, water leaks, criminal damage and more as standard, but there will also be additional things to consider, such as falling trees or if you’re on a floodplain.
Mortgage providers require you to have a certain level of buildings insurance before they will consider giving you an offer. This is to protect the investment they are making on your property to help you buy it.
Contents insurance is often included in home insurance deals and covers the items inside your home. This makes it much easier to recover the costs of items that have been damaged or lost due to a fire, a burglary, or other similar circumstances. While it’s not required by mortgage lenders, it’s usually a good idea to get contents insurance if you own expensive items such as jewellery or high-tech equipment. Some contents insurance will also include external, essential factors, such as your car, but this can push the price up dramatically.
Confused about your insurance?
Our insurance advisors can help you find the best price on your contents insurance. Fill out the form below and we’ll start searching for you.
This is third time we used your company, the level of service, professionalism and dedication shown by Mr Rodden as been superior. In his words "Perfect" Thank you again for helping us secure property/mortgage number three.
Great service from start to finish, highly recommended Made the whole process easier and stress free for us
went above and beyond for us especially with all of the issues with our solicitors.
Thank you so much to Steven for everything he has done for us. As first time buyers, the mortgage market was not easy to search and compare. Steven was professional, approachable and sorted everything out for us. We had a mortgage acceptance and offer within 24 hours. The service was fantastic and I cannot reccomed Steven and RiteMoney enough. Thank you!
Amazing customer service, my third time using Rite Money. Can highly recommend!
Very pleased with how efficient you guys were. After weeks of frustration with our bank TSB (which we thought would be the easy option) we wish we had contacted you guys first very quick process start to finish
The service provided was great. I would recommend rite money to anyone. Thank you to Steven and Hayleigh for all the help you where amazing through it all and able to help answer all my questions.
Fraser provided us with an excellent service and everything was completed quickly and efficiently. He made the whole process easy and was always very friendly. He replied to emails quickly and always ensured that he made himself available if we had any questions.
I am extremely happy with the service provided to me by Steven Ward and his colleagues whilst purchasing my first home. They were all very efficient and helpful and Steven could not have done any more for me. A very reliable and professional firm.
Steven has made the process of finding and changing mortgages and life insurance a seamless and stress free one. I have not had to concern myself with anything. He was helpful and supportive when I didn’t understand something during the process. He is able to explain things in an easy to understand way and I had every confidence that I would get the best deal for me
Steven was very helpful, and kept us updated throughout. Even when we hit a small (slight understatement), he had a plan B which meant we were able to get the home we wanted.
I had been rejected by a financial advisor previously and didn’t hold much hope of getting any sort of mortgage, but here I am. I picked up the keys last week and was in regular contact with the team right up to moving day. I cannot recommend rite money enough. Thank you for taking a lot of stress of my shoulders.
Let me be clear, I do not usually write these reviews, however...... Steven Rodden was exceptional from The start of our process to the end, and it was lengthy due to being unable to find a suitable property. Steven was very patient, always willing to go an extra mile to help us out, I would recommend Steven to anybody!! Exceptional service and comes extremely recommended First class..... Thanks Steven
Absolutely brilliant from start to finish. Very professional and dedicated staff. Can't thank them enough for all their efforts .
Great service, kept me up to date with my re-mortgage at all times, thanks for all your help.
Steven was highly personable with his approach and I felt that I could get in touch with him with any queries at anytime. I would highly recommend his services.
Steven was incredibly helpful from start to finish. It can be a minefield out there when applying for a mortgage and Steven guided me through the steps and explained everything in a way for me to fully understand what was happening. Exceptional service provided, highly recommend.
Friendly and efficient service.
Rite mortgage exceeded my expectations.
I highly recommend using Rite Money. They found me a mortgage when I was not sure I could get one. My advisor Steven Ward and also Hayley Kinsella were brilliant all the way through, Thank you guys.
Steven Ward is a credit to your company.. from start to finish he has been with me every step of the way, and so smoothly, i really could thank him enough for all his time and effort. Thank you Steven you have been fantastic!!!
With all the disadvantages to getting a mortgage you could think of, these guys still delivered in full. Thank you so much. I have my life back!
This is my second time using ritemortages and they have never failed to please me with their expertise and knowledge of mortgages on the market. The adviser which dealt with me on this occasion was Fraser Pete whom was very professional and efficient whilst giving me the right advice for choosing the right product that's right for me. My adviser was also always on hand to answer any questions that I had or anything that I didn't understand. On my first occasion my mortgage adviser was Scott Farrell who was also excellent in providing me with the right Mortgage with the right lender for my buy to let properties. The whole team at ritemortages were very helpful and professional at what they do. Abdul K Barik
Great experience remortgaging with Rite mortgages. Everyone was very helpful and the whole process was completed very quickly. Really impressed with the service!! Thank you to the team. Can we publish your Testimo
Adviser was really helpful, empathetic and honest advice, and solid product knowledge backed up by helpful support team
The bank told me that since I’m self employed I couldn’t get a mortgage. You got it in 2 weeks.
We had almost given up hope of remortgaging our house because of our age… we now have a mortgage we can afford.
Buying my first flat couldn’t have been easier… it was really simple.