Buildings and contents insurance

There are 2 types of general insurance - Buildings Insurance and Home Contents insurance available to insure residential, buy to let and commercial investment property's (or portfolios).

 

We aim to be able to provide no obligation general insurance quotations for Buildings insurance, Home contents insurance and also combined Buildings and Home insurance policies.

 

We also offer a reminder service, which sends you an alert weeks before your policy is due for renewal - allowing you to compare quotes and get the right level of cover.

 

Is your home protected against life’s unwelcome and unexpected events?

 

As well as ensuring you have life cover in place to protect your mortgage, you should think

about insurance for your home and contents too. Home insurance is a valuable safeguard that protects millions of families each year from devastating events like fire, flood and burglary.

 

Buildings insurance

Buildings insurance is a product and usually essential if you have a mortgage. Your lender is likely to insist you have cover in place to protect their financial interest in your property.

 

You’ll need to insure for what’s called the ‘rebuild cost,’ which is the amount of money you would need to completely rebuild your home from scratch should disaster strike. This isn’t the same as its market value and is usually less. That’s because the market value includes factors such as location, local amenities and supply, and demand.

 

Contents insurance

Home contents insurance covers all the things kept in a home such as TVs, furniture and carpets and personal belongings. You can also include an additional cover such as accidental damage that will insure personal items when they are used away from home such as laptops, jewellery, phones, and cameras.

When thinking about home contents insurance, you need to ask yourself how you would cope if you were to lose everything. Replacing all your possessions would be an expensive exercise, so contents insurance is vital to cover unexpected events like burglary or fire. With the average value of contents in a three-bedroom family home estimated at £55,000*, it’s important to be fully insured at all times.

Most policies offer new for old cover, meaning you will get the full replacement value if they are lost, stolen or damage.

 

 

*https://www.abi.org.uk/

 

 

 

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME
REPAYING YOUR DEBTS OVER A LONGER PERIOD CAN REDUCE YOUR
PAYMENTS BUT COULD INCREASE THE TOTAL INTEREST YOU PAY.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP
REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

 

CALLS ARE RECORDED FOR TRAINING AND MONITORING PURPOSES

Legal Information

.The Money Bee, which is a trading style of Promise Solutions Ltd and is authorised and regulated by the Financial Conduct Authority– Number 681423. Registered in England, company number 04822774. Data Protection Reference Z8661889
Registered Office: 2nd Floor, Fullard House, Neachells Lane, Wolverhampton, WV11 3QG.

Terms and Conditions

There may be circumstances where we need to charge a fee.  In these instances, we will notify you at an early stage which could be £125.00 upon application and an arrangement fee up to 1% of the advance subject to a maximum of £2500.00, on receipt of the mortgage offer.

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2nd Floor, Fullard House, Neachells Lane, Wolverhampton, WV11 3QG.

2 out of 3 borrowers get a lower rate than our representative example of a regulated secured loan below:

 

Mortgages and Remortgages

Representative example

£80,000 over 240 months at an APRC OF 4.3% and a discounted variable annual interest rate for two years of 2.12% at £408.99 per month followed by 36 payments of £475.59 and 180 payments of £509.44. The total charge for credit is £39,873 which includes a £995 broker/processing fee and £125 application fee. Total repayable £119,873.

 

Secured / Second Charge Loans

Representative example

£63,000 over 228 months at an APRC OF 6.1% and an annual interest rate of 5.39% (Fixed for five years – variable thereafter) would be £463.09 per month, the total charge for credit is £42,584.52 which includes a £2,690 broker/processing fee. Total repayable £105,584.52.

 

Unsecured Loans

Representative example

£4,000 over 36 months at an APR OF 49.9% (fixed) and an annual interest rate of 49.9% would be £216.21, total charge for credit is £3,783.56. Total repayable £7,783.56.