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  • Independent

    We offer advice from across the home insurance market.

  • Expert

    We help you understand what level of insurance you need.

  • Personal

    We will break down all the jargon and talk in your language.

Home Insurance for your Property

It’s vital that your property investment is protected. So, talk to us about buildings insurance or contents insurance for your house or flat.

What is Buildings and Contents insurance?

Home insurance is a general term used to describe two different types of insurance: Buildings and Contents Insurance. These are as follows:

Buildings insurance – for the structure of your house and permanent fixtures and fittings, like kitchens and bathrooms.

Contents insurance – for your belongings that you keep in your home. It covers things like furniture, electrical equipment and personal belongings.

Different types of policies work in different ways. They can pay out a lump sum in the case of loss, fire or damage. Or they can provide like for like replacement.

You can buy both types of insurance separately, or in many cases, you can get them as a joint policy from one insurance company.

We know which providers offer the most suitable levels of cover for an affordable price. We can also help with Landlords insurance. And, as an independent broker, we can advise from across the market and aren’t limited to one insurance company.

Contact us for a quote today.

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Do I need both Buildings and Contents insurance?

Whether you rent or own your home, it is essential that your property is protected.

Buildings and Contents insurance can be purchased together or separately. It is your responsibility to establish whether you need both buildings and contents insurance or whether you just need contents insurance.

You may not need to pay buildings insurance if you rent your property and your landlord pays your rent. Or if your property is a leasehold and the buildings insurance is covered as part of your ground rent.

If you have a mortgage, it will be a condition of your mortgage that you have buildings insurance.

We know which providers offer the most suitable levels of cover for an affordable price. We can also help with Landlords insurance. And, as an independent broker, we can advise from across the market and aren’t limited to one insurance company.

Contact us for a quote today.

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Our handy mortgage calculator

Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

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  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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Registered office address: 18 New Canal, Salisbury, SP1 2AQ. The Guidance provided within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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