Home Insurance
Make yourself at home.
Get in touch for a free initial chat – we’d love to help!
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0203 909 1525
0203 909 1525
0203 909 1525
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Make yourself at home.
Get in touch for a free initial chat – we’d love to help!
Get in touch
Protection for your home and the contents in it.
Here we’ll cover your home insurance options.
Buildings insurance will cover damage to your home, such as structural damage of the roof, ceiling, walls, flooring & foundations.
For example, if there was damage to your bathroom or kitchen, your buildings insurance policy will help cover the costs of repair.
Contents insurance covers your personal possessions & the contents within the property.
For example, you’ll have cover in the event of theft, fire or flooding.
This policy can essentially cover items that can be taken out of the property, unlike buildings insurance which covers the actual structure of the property.
Buildings insurance is usually compulsory if you’re looking to buy a home with a mortgage, unless this is covered by the freeholder (if you’re buying a leasehold property).
If buying a home, we’d generally look to have buildings insurance in place for our clients for the date you exchange contracts on your purchase.
This will need to be sufficient to cover the cost of rebuilding your home, however this is not the same as the market value of the property (it’ll generally be lower).
This is where a surveyor can help.
If you’ve arranged a private survey for your purchase, the surveyor should be able to tell you the rebuild cost.
Alternatively, this may be available through the mortgage valuation taken place when applying for your mortgage.
Contents insurance is optional, although you may decide that it’s worth the peace of mind to have cover in place for your personal possessions, particularly if there are some high value items.
We’d generally look to have contents insurance in place for our clients for completion of a new purchase.
If you have a home office, it’s important to ensure your policy covers items that are used for business purposes.
You may find that you also need business insurance to cover this.
If you’re buying your first home or moving home, look into your insurance options as soon as possible.
If you’re a current policyholder, we’d recommend reviewing your cover around one month prior to your renewal date.
It’s important that you check for any restrictions within your policy so that you’re aware of exactly what is and is not covered.
For example, you’ll usually find that general wear & tear will not be covered.
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As a mortgage is secured against your home or property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing any other debts against your home or property. The Financial Conduct Authority does not regulate commercial buy to lets and some forms of commercial mortgages. You may have to pay an early repayment charge to your existing lender if you re-mortgage
We typically charge a fee for our services, which is dependent on the amount of administration required. Please refer to our terms of business for further information.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK. The purpose of any content on this site is to provide technical and generic information and should not be interpreted as a personal recommendation or advice.
We aim to provide the best possible service to our clients. However, if you have a complaint that we’re unable to resolve, please see our complaints policy.
Rose Hill Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. You can find us on the Financial Services Register https://register.fca.org.uk/ under reference 912303. Registered office address: 1 Bell Street, 2nd Floor, London, England, NW1 5BY. Registered in England and Wales. Company registration no: 11997519.
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