Buildings & Contents Insurance

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTAGE.
The mortgage will be secured by a charge on the property of the customer.

A Combined Insurance to Help You Protect Everything from Your House to Your Home from the Walls to the Family Photographs on Them

Purchasing a home is one of the largest investments that you will ever make but spending out doesn't stop there. From needing furniture and appliances to purchasing cushions and bedding, there is much more that goes into making a home than bricks and mortar.

Opting for a Combined Insurance is Cheaper and Simpler than Taking Out Separate Policies

In the rush of getting Buildings Insurance sorted on for when you legally own your new home, it can be easy to purchase it and worry about contents insurance later, however, by doing this, you could be missing out on a cheaper deal.

Before you insure your new home, it is worthwhile taking some time to write down what possessions you have and want to be protected through insurance, a little time taken out of your day could save you those all important pennies!

The Top Five Claims on Home Insurance

1. Accidental With Accidental Damage as the number 1 home insurance claim, there is little wonder as to why most Insurers do not include it as a standard part of the policy but instead sell it as an additional policy. If you have children or pets, then you are likely to be more accident prone, so having this cover may be able to save you hundreds if not thousands of pounds.

2. Escape of Water Water damage can come in many forms from external events into internal damage like burst pipes. When water strikes, it can not only damage the pipes themselves but can also damage appliances and fittings within the home, resulting in both a stressful time and expensive repairs. Like anything prevention is better than cure, so taking preventative steps will lessen the likelihood of damage.

3. Storm

Living in a country where you can experience four seasons in one day, there is little wonder as to why Storm Damage is the third most common claim. If you have any outbuildings, it is important to check whether your insurance policy covers this as standard and if not, it may be worthwhile considering adding them on as an extra.

4. Theft No matter how many steps that you take to protect your home, there is always a chance that your home is at risk of burglary, especially if you live in a high-risk area. Insurance premiums in high-risk areas tend to be higher than in other areas to reflect the number of claims made.

5. Freezer Food Yes, Freezer Food! When thinking of Home Insurance, the contents of your future freezer may not be the first thing that comes to mind. However, with the average weekly food shop costing around £103, for two people, filling up the freezer certainly doesn't come cheap! If your freezer breaks, it could mean throwing a lot of food and money down the drain.

SOURCE: https://www.nimblefins.co.uk/average-uk-household-cost-food#:~:text=The%20average%20annual%20food%20cost,18%25%20from%20a%20year%20ago. (5th June 2023)

Please note for these insurance products terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

Home Legal Services Liverpool LLP t/a Right Click Finance is an appointed representative of Primis Mortgage Network. Primis Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgage.

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The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK.

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