Insurance

HOME INSURANCE
Buildings insurance offers protection for the permanent fixtures in your home such as the roof, walls, floors, bathroom fittings and ceilings. Garages, sheds and fences also tend to be covered. Buildings insurance is not a legal requirement but most mortgage lenders will insist the cover is in place to protect the property. 

CONTENTS INSURANCE
Meanwhile, contents insurance is designed to protect your belongings. As a general rule, your contents are the things that could be taken with you if you moved house. Typically this includes things such as your furniture, your TV and other home gadgets, any electrical items, your kitchenware, clothes and jewellery, and any soft furnishings such as curtains and cushions. 

What type of home insurance policy is right for me? 
There’s no real one-size-fits-all and the type of cover you’ll need will depend on your own living situation. 

If you own your home and have a mortgage, buildings insurance is usually compulsory as your lender will typically insist that you’re covered to protect its investment. A good buildings policy should cover the full repair and/or rebuild of your home should the worst happen.

If you’re a homeowner you may also wish to get contents cover to protect your belongings, meaning a combined buildings and contents policy could be right for you.

Meanwhile, if you rent your home you’ll likely only need contents cover as your landlord should have protection in place for any damage to the building itself. 

As a landlord, a standard home insurance may not provide enough cover, so that's where landlords' insurance comes in handy.
Also known as buy-to-let insurance, it typically includes buildings insurance to cover against events such as fire, flooding and subsidence. And if you're renting out a furnished property, it's worth considering contents insurance as this can protect everything from your furniture to the TV you provide to your tenants.
When getting a quote for your landlords' insurance, you could add the following extras to your policy:
  • Cost of repairing damage in an emergency following a gas leak, burst pipe or pest infestation
  • Accidental damage cover for the building and/or its contents
  • Legal cover to recoup lost rent
  • Compensation claims due to tenant injury
  • Loss of rent in the event the property is left uninhabitable
  • Loss of income cover if your property is damaged, and your tenants are forced to move out
  • Property owner's liability cover to meet any costs and damages if a member of the public suffers an injury, or damage to their property
Don't forget, if you have a number of properties, you can usually insure them under a single policy.
Landlords' insurance usually covers the most common risks associated with renting out a property. But they do differ in their coverage so it's important to check the small print.

We work alongside insurance brokers who have access to wide range of insurers across the market and will find you the best deal to suit your circumstance. Whether you are looking for a building insurance or looking to protect yourself from unforeseen and unexpected eventually of the future, we are here to help you to protect you. 

For an obligation free quotation, call or email us and we will search the market for the best deal available by our brokers. 

Our team consists of highly qualified and motivated professionals, who are all experts in their field. With many years of experience in the industry, they have the expertise to provide comprehensive, first-rate services to our clients. 

LANDLORD INSURANCE
  • Loss of rent cover
If something happens to your property such as a fire, your property may become uninhabitable for your tenants. Which of course means that you’re likely to lose out on some rent. If your property is uninhabitable due to an insured peril (a danger such as fire, weather or water leak) we can find you cover for this. 
  • Landlord buildings and contents cover 
We’ve a range of buildings and contents insurance available to you via our panel with excesses as low as £100. This will cover you for escape of water, accidental damage, fire and more. Malicious damage can also be covered if required. If your property has a history of subsidence, we can cover you here too. All we ask is that you get your property inspected so we can apply the correct cover.
  • Property portfolios
We reward experienced landlords with reduced rates but we also reward landlords with more than one property. Insuring all your properties under one policy allows you to save on admin fees and receive discounts for every property you add. You can even add properties mid-policy if you need to. As these policies are a little more complex, it’s best to get in touch with us by phone so we can help you efficiently and accurately. 
  • Wide range of tenant types covered
As tenants come in all shapes and circumstances, we’ll go out to our panel and find you a suitable policy. We can cover professionals, DSS, students, asylum seekers, local authority placements and even bedsits. However, If you require cover for a sub-let you may require a slightly different type of cover. When you talk to one of our advisers they’ll happily point you in the right direction. 


Your property may be at risk if you do not keep up repayments on any debt secured against it.


Essence Finance Limited FCA Registration number: 956335 is an Appointed Representative of Goldwire Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority. Registration Number: 756760.


Goldwire Financial Solutions Limited. Registered Office: Ketteringham Hall, Church Road, Ketteringham, Norwich, Norfolk, NR18 9RS. Registered in England Number: 10282454.

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