Home Insurance

Tailored insurance to cover your home and its contents

£*

Mortgage Enquiries

£*

Mortgages Accepted

Are you willing to risk losing your home and possessions?

The answer for the vast majority of people is of course no, and insuring your home will protect it in the event of floods, fires, storms or theft but, more importantly, it will give you peace of mind knowing that all you own is safeguarded also.

The more possessions you acquire, the more likely you will want to have them insured – so it simply makes sense to protect what you have.

Why choose MortgageKey for Home Insurance

We offer experienced and trusted advice

Our vastly experienced team can save you from searching through hundreds of home insurance policies and ensure nothing is overlooked

We make it an easy and stress-free experience

We pride ourselves on taking away the stress and fear of financial planning and will talk you through each step in detail

Support is tailored to meet your needs

We know there’s not a solution that fits all circumstances, so our advisors tailor their services to best meet your specific needs

We make everything clear to understand

Legal-jargon free advice to ensure you feel comfortable and understand what everything means

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

Find out more

Infographics

Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

Find out more

Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

Find out more

Home Insurance - Your Questions Answered

Home insurance is usually a combination of buildings insurance and contents insurance. You can take these policies out separately, but it’s often easier to just take out a home insurance policy which includes both.

Building insurance should cover the cost of your home to be re-built from the ground up (not the sale or market value). Contents insurance covers your possessions.

Why should you take out Home Insurance?

The idea behind home insurance is to protect your property and your assets from any freak incidents or unlucky events. If you choose not to insure your home and its contents, you are arguable doing it at your own risk. The majority of people’s homes contain their entire life, and although some things are irreplaceable, having insurance to protect expensive items and any damages, may help you sleep easier. Whilst home insurance can’t prevent unfortunate incidents, it can enable you to repair the damage done by such events.

When should you take out a Home Insurance policy?

Whenever you purchase a property, most mortgage providers will require you to have an adequate form of buildings insurance. It’s worth checking such policies to check if it has the type of cover you require. You may not require contents insurance right away, but it is recommended that the sooner the better with any home insurance policy, so that you’re covered should anything happen.

How does Home Insurance work?

It’s recommended to review the rebuild cost every so often, to make sure the figures are up-to-date. This is important so that your payout reflects the cost of an entire rebuild.

With regards to your contents, the best way to determine a value of your assets is to root through each and every room and make an inventory of your possessions and their costs, including furnishings such as carpets etc. This inventory should also include any other buildings such as outhouses, sheds or garages. This way you will have documented everything you need to, should you come to lose it all.

On the buildings insurance side of things, policies vary, however, it’s not often that insurers will pay out for general wear and tear. If your home is at risk of flooding, you mind find it difficult to secure home insurance without paying a premium for flood insurance on top.

Which type of Home Insurance policy should you choose?

Whether your home is a one-bedroomed flat or a 10-bedroomed mansion, your home is your castle. That’s why it’s important to get the right cover in place should something go wrong. Your home will no doubt contain some of your most prized and valuable possessions. Therefore, you’ll want to protect those too. So, we’d suggest home insurance which covers both building and contents. Our experienced home insurance experts can source the right deal for you and your property.

What our clients are saying

  • Good communication from Mortgagekey, and so far so good, all seems to be going well. Would have no hesitation in recommending Mortgagekey.
    Wendy Wright
  • Wonderful service. As a first time buyer I would not hesitate to recommend. Thank you !!!
    Michael Spaul
  • As always, this is the second time I have used Mortgagekey. Everything is always seamless. There is no stress. Everything ticks along nicely in the ba...
    Catherine Howard
  • Efficient , great customer service and an easy process.
    Leila
  • Excellent service from the guys at Mortgage Key. Callum was amazing. Georgia and Gareth were awesome too. WELL DONE
    Mr Mohammad Razak
  • Excellent Service.
    K Gill
  • Great staff very helpful, they keep you upto date with everything.
    Mr M Shafqat
  • Absolutely amazing couldn’t have asked for a better mortgage company.
    Amy
  • Mortgagekey have been excellent so far in helping me and my partner, always happy to help and keep us up to date with the status of our mortgage appli...
    Harrison
  • A perfect customer experience from start to finish: knowledgeable, reliable and lovely to talk to. Thank you Sally! X
    Michael Spaul
  • Extremely efficient and friendly and nothing is too much, they keep you informed every step of the way excellent service would highly recommend.
    Leanne Palmer
  • I have used Mortgagekey to remortgage two properties three times now. They have been excellent at every step of the way - and they got us great rates!
    JOHN
  • I would recommend mortgagekey because their professional service and keeping on top of things in a very difficult time and always keeping me up to da...
    Anthony
  • Within a couple of hours Jamie had found us a lender after we were let down by our own bank that we have been with for over 30 years. Everything went ...
    David
  • Absolutely amazing service! Rory was fantastic from beginning to end- reassured me no end too! I would strongly recommend using Mortgage Key to anyo...
    S M Dalby
  • Excellent help to get a remortgage . Thank you . Efficient and knowledgeable.
    Laura R
  • Dealing with mortgage key has been effortless. Callum has made me feel at ease during the whole process and to be honest I cannot think of one bad thi...
    Daniel Mitchell
  • Always give excellent advice and service
    Nicola Rice
  • Really good service with these guys. The whole team were really informative through out even through the covid 19 pandemic! Couldn’t recommend more!...
    Leo Berry
  • Excellent service..very friendly and knowledgeable advisors...thank you Tracy..I can thoroughly recommend them. This is the fourth time I've used them...
    Pamela Davey

Trusted by our clients

Ready to talk? Speak to an expert today: 0800 077 8980