demo3.wealthyadvisersclub.co.uk
The cover your lender asks for, done right
Buildings insurance is a condition of most mortgages, so it is easy to grab the first policy offered and move on. We make sure the sums insured are accurate and add the contents cover that people so often forget.
Cover that would actually pay in full
Accurate sums insured
Underinsurance is the classic trap. We make sure the figures reflect real rebuild and replacement costs.
Bundled where it helps
Buildings and contents together is often cheaper and simpler than two separate policies.
Sorted alongside the mortgage
We set the cover to be in place for completion, so you meet the lender's condition on time.
Protect the structure and everything in it
Buildings cover pays to rebuild or repair the property itself. Contents cover replaces what is inside, from the sofa to the laptop. Most households need both, and getting the rebuild figure right is what stops a claim falling short.
- Rebuild cost, not market valueBuildings cover is based on the cost to rebuild, which is often very different from what you paid.
- Contents that add upIt is easy to underinsure. We help you value what you actually own, room by room.
- Landlord versions tooRenting it out needs landlord-specific cover. We arrange that flavour just as easily.
Questions we hear a lot
No. Lenders require you to have it, but you are free to arrange it wherever you like. Shopping around usually beats the lender's own offer on both price and cover.
It is the cost to rebuild your home, not its sale price, and the two can differ a lot. Your survey may state it, and we help you check the figure is realistic.
For most households, yes. Replacing furniture, appliances and electronics from scratch adds up fast. We help you value it properly so you are neither over nor underinsured.
Handy next steps
Get the everyday cover right
We will make sure your home is insured for what it would really cost to put back together.