An Introduction to UK Home Insurance

An Introduction to UK Home Insurance


Unlike car coverage, home insurance is not a legal requirement in the UK. However, it is a vital precaution against unforeseen bills caused by incidents such as natural disasters or theft. It is a bogus economy to avoid home insurance premiums to save cash in the short term because in case of misfortune, you will run out of a leg to bear and could face some of the heaviest bills you have ever encountered in your life. Whether you own your home / house directly or are still paying your mortgage, the home you own probably represents the biggest investment in your life and one of the most important factors in maintaining your well-being. Everyone wants a roof over their head for peace of mind without worries about their home!

If you have a mortgage, your lender will generally insist that your property be covered by full building insurance. This is to protect themselves, since if your house were completely destroyed, they would have to know that you had the means to finance their repair. Furthermore, a homeless borrower will hardly inspire confidence in a company that expects regular mortgage payments.

Sometimes people assume they have to stick with the insurance they have taken out with their mortgage provider. Unless you have taken advantage of a special mortgage agreement in which you agreed to purchase your home insurance, you can use independent insurers to protect your home. You may be encouraged to obtain coverage through your mortgage broker as it is simpler for them. However, you are not required to do so by law, so it’s worth looking for the best deal for your needs and making sure you get the right coverage at the right price.




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