Call Us Now
07944 490 327
There are two types of household insurance - buildings and contents. They are separate entities and you can either search for two individual policies, or buy them as a joint policy from one source, which is a competitive way of buying nowadays, moreover if you are unfortunate enough to end up in a situation where one incident affects both the building and its contents, such as a fire, there will be no issues as to who is paying for what.
This covers the actual structure of your home. It will always include the main building and can be extended to cover sheds, the garage, fences, swimming pool etc. Buildings insurance is only a consideration if you own the property. If you own a flat you will still be responsible for buildings cover, usually as determined by the ground rent and buildings agreement, which usually means that the liability to cover is apportioned between properties. This is sometimes covered under the Service Charge.
If you are a homeowner, having buildings insurance in place would normally have been a condition of your mortgage. A good buildings insurance policy should cover you for fire, flood, subsidence, storms, lightning, theft or vandalism, escape of water and oil, and damage caused by falling trees, branches or other objects.
This covers practically everything within your home including furniture, household goods, food and drink, TVs, computers, clothing and valuables, usually up to a stated limit. This type of insurance is not compulsory and no mortgage lender can insist you take out contents cover so you will need to source this yourself.
This policy pays out if any of your home contents are lost or damaged, following a burglary or a fire, an explosion, leaks or vandalism, and also for accidental damage.
Many insurers cover the cost of replacing locks if your keys are stolen. Most policies may be extended to cover accidental damage or loss of valuable items you frequently take out of your home, such as jewellery, cameras and sports equipment. This is known as an 'all risks extension'.
Many people underestimate the value of their home contents. To get a clear idea of the sum to be insured, go through every room - including the loft, garage, cellar and shed - and write down what it would cost to replace every item at today's prices.
Call us today on 07944 490 327 or complete our short enquiry form by clicking on the form button below and we'll be pleased to help you.
Read less
It is quite natural for most people to want to make sure their families (and themselves) are going to be financially secure in the event of loss of income, illness or worse. ...
Read moreA mortgage is a ‘secured’ loan, which means that the loan is secured against the value of the property being purchased until the mortgage is paid off. ...
Read moreThe main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. ...
Read moreClient Testimonials
As First Time Buyers we couldn't have asked for a better adviser. Richard kept everything simple and explained everything in a very clear way that we could understand.
I have worked with Richard now for a number of years, he is always on the ball and ensures my buy to let portfolio is managed properly. Saving me money time and time again.
Excellent service from the off, even with my credit history Richard managed to get me a good deal. Have recommended him to many other self employed friends of mine.
CONTACT US
RK Property Finance
82 Rowley Avenue
Sidcup
Kent
DA15 9LG
T: 07944 490 327
F: 01322 507 780
Email Us
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
RK Property Finance is a trading style of Richard Edwards who is an appointed representative of Julian Harris Mortgages Limited, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 304155.
The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.
© Copyright 2021 - Adviser Pro - All Rights Reserved
Design and Developed by Adviser Pro © 2021