Home Insurance
Helping Protect Your Home and Everything Inside It
Home Insurance helps protect your property and belongings against unexpected events such as fire, flooding, storms, theft, accidental damage and other insured risks.
Whether you’re buying your first home, moving home, remortgaging or reviewing your existing policy, having the right Home Insurance can provide valuable financial protection and peace of mind.
At Ample Mortgages, we’ll help you compare Home Insurance options from a range of insurers and recommend cover tailored to your property, lifestyle and budget.
Everything You Need to Know About What Home Insurance Can Cover
Home Insurance can include Buildings Insurance, Contents Insurance, or both. It helps protect your home’s structure, personal belongings, and can be enhanced with optional cover for accidental damage, legal expenses, home emergencies, and personal possessions to suit your individual needs.
Why Home Insurance Is Worth Having
Home Insurance helps protect your property and belongings from unexpected events, reducing the financial impact of damage, loss, or repairs while giving you greater peace of mind.
Cover for events such as fire, flood, storms, and theft, subject to your policy terms.
Helps cover the cost of repairing or rebuilding your home following an insured event.*
Protects your furniture, appliances, electronics, clothing, and other personal belongings.
Enhance your policy with optional cover for accidental damage, home emergencies, and other extras.
Provides reassurance that you’re financially protected against unexpected household incidents.
Buildings Insurance vs Contents Insurance
While both types of Home Insurance help protect your property, they cover different aspects of your home. Buildings Insurance covers the physical structure of your property, including walls, roofs, windows, fitted kitchens, bathrooms, and permanent fixtures. Contents Insurance protects the belongings inside your home, such as furniture, electronics, clothing, jewellery, and other personal possessions. Many homeowners choose both for more complete protection and greater peace of mind.
Who Can Apply for Home Insurance?
Eligibility for Home Insurance varies between insurers and depends on your property and individual circumstances. Providers will typically assess the following factors before determining your acceptance and premium.
- Property Type
- Property Location
- Rebuild Cost
- Security Features
- Previous Claims History
- Level of Cover Required
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FAQ’s:
Home Insurance helps protect your property and belongings against insured events such as fire, flooding, storms, theft and accidental damage, subject to your policy terms.
Home Insurance may cover your property’s structure, personal belongings and liability for insured events. The level of cover depends on the policy you choose.
Buildings Insurance protects the structure of your home, while Contents Insurance protects the belongings inside it.
Most mortgage lenders require you to have Buildings Insurance in place before your mortgage completes.
No. Contents Insurance is not a legal requirement, but Buildings Insurance is usually required if you have a mortgage.
Combined Home Insurance includes both Buildings Insurance and Contents Insurance within a single policy.
Many Home Insurance policies include flood cover, although terms, conditions and excesses may apply.
Many policies provide cover for damage caused by escape of water, subject to the policy terms and exclusions.
Yes. Most Home Insurance policies cover theft and attempted theft, subject to policy conditions.
Accidental damage is often available as an optional extra, although some insurers include it as standard.
Many policies include subsidence cover, although specific terms, exclusions and excesses may apply.
Yes. High-value items such as jewellery, watches and artwork can often be insured, although some may need to be listed separately on your policy.
Premiums are influenced by factors such as your property’s location, rebuild cost, security, claims history, level of cover and chosen excess.
Yes. Tenants can arrange Contents Insurance to protect their personal belongings, while the landlord is usually responsible for Buildings Insurance.
Yes. Landlord Insurance is available for rental properties and can provide protection tailored to landlords’ needs.
Yes. Many insurers allow changes during the policy term, although revised premiums or administration charges may apply.
Contact your insurer as soon as possible after an insured event and provide any information or evidence requested to support your claim.
At Ample Mortgages, we compare Home Insurance options from a range of insurers, helping you find suitable cover that protects your home, your belongings and your peace of mind.