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The mortgage will be secured by a charge on the property of the customer.

Buildings Insurance

Buying a Home Is Likely to Be One of the Biggest Financial Commitments That You Will Ever Take On, Becoming One of Your Most Valuable Assets.

Understanding the huge financial cost of rebuilding a home if it was damaged, most Mortgage Lenders make it an integral part of their conditions that Buildings Insurance must be purchased on the day that you become the legal owner of the property.

The Aim of Buildings Insurance Is to Provide the Costs Needed to Repair and Rebuild the Structure of Your Home if it Was Damaged.

Most people don't have thousands of pounds sitting in the bank to cough up when disaster strikes, which is why insurance companies make Buildings Insurance an integral part of their terms. Most insurance companies offer the same standard cover for their policies, however, it is important to ensure that you receive the right level of cover for your home. If it was badly damaged, you must consider the full cost of rebuild from demolition, architects and site workers. 

What Damage is Covered?

Weather Fires, Floods, Storms and Lightening 
Theft & Vandalism Damage to Doors and Windows 
Water Damage From Leaking Pipes and Appliances 
Subsidence Including Heave & Landslip 
Explosion From  Internal or External Gas Leaks 

As with Any Insurance Policy, Buildings Insurance can Come with Optional Extras

Although it depends on the standard cover from the Insurer, you may need extra cover depending on the type of property that you own and what you consider to be important. 

Extras can include damage to fences, driveways and outbuildings as well as accidental damage to the fixed fittings including kitchen and bathrooms. It may also be advisable to add Liability Cover in case of damage to a neighbour's property and Legal Cover in case you ever needed to dispute it in court! 

What Items are Covered in Buildings Insurance?

Walls & Ceilings The Other Additions That Keep a Household
Doors & Windows When Great Windows and Doors Don't Make Great Goalposts
Roof Working Hard to Keep the Beautiful British Weather Out
Floors Withstanding the Pitter Patter of Tiny but Thunderous Feet
Fitted Kitchens & Bathrooms For When Everything Needs Replacing (Inc the Kitchen Sink)

Let's Get Started.

Get in touch today to see how we can help.
0151 734 6777
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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.   

Registered in England OC399498.  Registered office address Prospect House Columbus Quay, Riverside Drive, Liverpool, England, L3 4DB.

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.

Let's Get Started. Get in touch today to see how we can help. 0151 734 6777 Get Mortgage Advice

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