Finding the most appropriate insurance cover for your needs

One 2 One Mortgage Solutions aims to help you find the most appropriate home insurance for you by searching from our selected panel of insurers.
All too often people think that home insurance is unnecessary because they don’t believe they will need it, however is it a risk you can afford to take?
The type of home insurance cover you need will depend on your living arrangements. If you own the home you live in, you will likely require both home contents insurance and buildings insurance. Though contents insurance is largely optional, most mortgage providers will request you take out buildings insurance as part of your mortgage conditions as this is covers the structure of your property.
A buildings insurance policy will cover your walls, ceiling, doors and even your roof. It also protects fitted fixtures such as kitchens and bathroom. The types of risk you are covered against will depend your level of insurance. A typical policy would include cover against:
- Fire
- Storm Damage
- Falling Trees, Lightning
- Earthquakes
- Vandalism
- Burst of frozen pipe cover
Most mortgage providers will now insist that a home insurance policy is in place before you purchase your home. As they are providing you with a loan to purchase your home it is in their best interests to make sure their investment is protected from events beyond theirs a your control.
One 2 One Mortgage Solutions will go through your requirements with you and help find the Home Insurance that covers everything that is relevant to your circumstances. We provide insurance advice to provide you with the cover you require for your individual circumstances.