Home Insurance

Covering your home, inside and out

Protecting your home and belongings

Building and Content Insurance provides crucial financial protection for your home. It safeguards both the structure of your property and your personal belongings within it from unexpected events like fire, floods, theft, and storms. This comprehensive coverage can significantly reduce the financial burden of repairs or replacements, allowing you to rebuild and recover more easily. It also offers valuable peace of mind, especially if you live in an area prone to natural disasters or have valuable possessions. In some cases, having Building insurance may be a legal requirement, such as when you have a mortgage.

Building Insurance

Building insurance protects the physical structure of your home, covering damage from events like fire, floods, storms, and subsidence. It typically includes the roof, walls, windows, doors, and permanent fixtures like kitchens and bathrooms and outbuildings.

Key Considerations:

Coverage: Includes the building structure, fixtures, and often outdoor structures.
Exclusions: Typically doesn’t cover personal belongings, or wear and tear.
Policy Excess: Choose an excess level that suits your budget.
Policy Term: Annual renewal is required.
Optional extras: Consider adding cover for accidental damage, legal expenses, or home emergency assistance.

Content Insurance

Content insurance provides financial protection for your personal belongings within your home. This typically includes furniture, electronics, clothing, kitchen appliances, home entertainment systems, and other valuables. It can help replace or repair these items if they are damaged, destroyed, or stolen due to events like fire, flood, theft, or accidental damage.

Key Considerations:

Coverage: Understand what’s included and excluded.
Policy Excess: Choose an excess level that suits your budget.
Exclusions: Typically doesn’t cover general wear and tear.
Policy Term: Annual renewal is required.
Optional extras: Consider adding cover for accidental damage, legal expenses, or home emergency assistance.

Building Insurance vs. Content Insurance

While building insurance focuses on the physical structure of your home, content insurance is tailored to protect your personal belongings within the house. You have the flexibility to purchase buildings insurance alone or combine it with contents insurance for comprehensive coverage.

We work with a panel of top-rated insurance providers to find you the best home insurance deals today, and in the years to come.

FAQs

Will my home insurance policy automatically renew?

Yes, your home insurance policy will automatically renew each year unless you actively choose to cancel it before the renewal date. This ensures continuous coverage and helps prevent any gaps in your protection.

At your renewal date, you have the option to:

Renew with your current insurer: This is usually the easiest option, but you may be offered a different premium.
Switch to a different insurer: You have the freedom to compare quotes from other insurers and potentially find a better deal.

We’re here to help you make the best decision. If you’re considering switching insurers, we can assist you in finding the most suitable and cost-effective options for your needs.

How can I pay for my home insurance policy?

Payments for your policy will be collected by Direct Debit which is widely considered to be the simplest, safest and most convenient way to make regular or recurring payments and you are protected by the Direct Debit Guarantee. You may choose to make a single annual Direct Debit or spread your payments over 12 monthly instalments.

Will claiming on my home insurance increase premium?

Yes, if you’ve made a recent claim on your home insurance it’ll almost certainly increase your premium when you renew your cover.

What is excess?

An insurance excess is a pre-decided amount you’re expected to contribute towards the cost of any claims you make.

How many times can I make a claim on my home insurance?

There are no restrictions to the number of claims you can make on your home insurance within the policy year.

What is Home Emergency cover?

Home emergency cover is a type of insurance that covers the cost of calling out a tradesman due to a sudden incident. A repairer will be sent urgently to assess the situation and carry out emergency work on incidents such as boiler breakdown, burst pipes, failure of electric, water or gas supply and many more.

What is accidental damage cover?

Accidental damage is caused suddenly and unexpectedly by an outside force. It’s different from damage caused by wear and tear or a breakdown. You can add accidental damage cover to either your content or to your building insurance, or even both as an optional add on.

I haven’t exchanged on a property I’m buying; can I have a home insurance quote?

Yes, we can provide you with a home insurance quote before you exchange contracts. We’ll need some information about the property, such as the address and estimated value. However, we can only submit a formal application and issue a policy once you have the exact date of contract exchange.

Connect with us today!

Schedule your no-obligation appointment today and discover how we can help you navigate your mortgage process, and find the right protection policy for you and your family.

Let’s talk

Your home may be repossessed if you do not keep up repayments on your mortgage.

Accurate and complete information is crucial for processing your protection application and ensuring you receive the appropriate coverage. Misrepresentations may result in claim denials or policy cancellation. The protection plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

The information provided on this website is for general informational purposes only and should not be considered as financial advice. While we strive to keep the information accurate and up to date, we make no guarantees regarding the completeness, accuracy, reliability, or suitability of the information contained herein. Any reliance you place on such information is strictly at your own risk. We recommend consulting with a qualified financial adviser or mortgage adviser before making any financial decisions. The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

Danube Financial Solutions LLP is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Danube Financial Solutions LLP is registered in England and Wales with company number OC454931. Registered address: 6 Peacock Way, Worksop, S81 7SU

© Danube Financial Solutions LLP. All rights reserved.
2025

What is trust?

A Trust is a legal arrangement that allows you to leave money and things you own (your ‘assets’) to a person or people (the ‘beneficiaries’) when you die. A trust can be managed by family, friends or a solicitor (the ‘trustees’). All your assets put together form your ‘estate’. Your life insurance is an asset and can be put into a trust in the same way as anything else.

Why is it important to put your life insurance into trust?

Putting your life insurance in trust is a way of protecting the payout your loved ones could expect to claim if you were to die unexpectedly. A trust can separate your policy from the rest of your assets, protecting any potential pay-out from inheritance tax.

Key Benefits of Putting Life Insurance in Trust:

Control: You determine who receives the pay-out and how it’s managed.
Speed: Faster pay-out to beneficiaries, as probate delays are minimized.
Tax Efficiency: Potentially reduces inheritance tax liability by keeping the policy out of your estate.

By placing your life insurance within a trust, you can ensure your wishes are fulfilled and your loved ones receive the benefits of your policy more quickly and efficiently.

We as expert protection advisers can help you navigate the process of setting up a trust for your life insurance and ensure it meets your unique needs.

Trusts are not regulated by the Financial Conduct Authority.