Home & Buildings Insurance

Protecting Your Home and Property

Your home is likely to be one of the most valuable assets you own, so protecting it with suitable insurance is extremely important.



Home and buildings insurance helps protect your property against unexpected events such as fire, storms, flooding and theft. Having the right cover in place provides peace of mind knowing that the cost of repairs or replacements may be covered if something goes wrong.


Harmony Mortgages can help you explore insurance options alongside your mortgage to ensure your property is protected.

What Buildings Insurance Covers

Buildings insurance protects the physical structure of your home.

This usually includes:

  • Walls and roof
  • Floors and ceilings
  • Windows and doors
  • Fitted kitchens and bathrooms
  • Permanent fixtures

Most mortgage lenders require buildings insurance to be in place before a property purchase completes.

What Contents Insurance Covers

Contents insurance protects the belongings inside your home.


These may include:

Furniture

Electronics

Clothing

Appliances

Personal items

Some homeowners choose combined policies that include both buildings and contents cover.

Why Home Insurance Is Important

Unexpected events such as flooding, fires or burglaries can result in significant repair or replacement costs.



Home insurance helps provide financial protection if your property or belongings are damaged or stolen.

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When Insurance Should Start

When buying a property, buildings insurance typically needs to begin from the exchange of contracts. This ensures the property is protected before the purchase is completed.


Contact us today to arrange a consultation.

FAQs

  • Is buildings insurance required for a mortgage?

    Most mortgage lenders require buildings insurance before completion.

  • What does buildings insurance cover?

    It normally covers the structure of the property including walls, roof and permanent fixtures.

  • What does contents insurance cover?

    Contents insurance protects belongings such as furniture and electronics.

  • Can I combine buildings and contents insurance?

    Yes. Many insurers offer combined policies.

  • When should home insurance start?

    Buildings insurance usually begins from exchange of contracts.

  • Does home insurance cover accidental damage?

    Some policies include accidental damage depending on the level of cover.

  • How are insurance premiums calculated?

    Premiums depend on property value, location and level of cover.

  • Do tenants need buildings insurance?

    Tenants usually only require contents insurance.

  • Can insurance be arranged with a mortgage?

    Yes. Harmony Mortgages can help you explore suitable insurance options.