Home Insurance

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WE USE A RANGE OF OTHER INSURANCE PROVIDERS AND THEIR PRODUCTS MAY BE MORE SUITABLE FOR YOUR NEEDS.

Personal Touch Mortgages (Lincs) Ltd acts as a credit broker not a lender

Protection for your home
Whilst we don’t like to think about it, accidents can happen and it can cost thousands of pounds to recover from them.

What is Household Insurance?
Sometimes known as buildings and contents insurance, this is designed to protect you against the cost of repairing damage to your home and its contents.
Buildings and contents insurance can be taken out either as separate or combined policies.

Buildings Insurance
A typical buildings insurance policy will cover your property against a wide variety of perils such as flood, storm and fire although the extent of the cover will vary between providers.
There is also usually an option to take additional cover on your policy to protect against accidental damage to your property.
It is worth noting that if your home is subject to a mortgage, your mortgage provider will normally stipulate there being a minimum level of buildings insurance in force at all times.

Contents Insurance
This type of policy is intended to pay for the repair or replacement of personal possessions if damaged or stolen from your home.
The policy usually covers possessions which are in the home but not classed as being permanently attached to the structure of your property.
Whilst the terms and conditions of policies will vary between providers, some will also cover items stored in garages and outbuildings and may also protect certain items even when they are taken outside of the home – for example jewellery or portable computers. You need to check exactly what is covered under the terms of your policy.
Contents insurance can be tailored specifically to your needs by offering additional cover should you own any singularly valuable items such as jewellery or camera equipment for example.

It is easy to be persuaded to choose insurance purely based on its price but it is important that you check you are in fact getting the cover you think you are.