Home Insurance
Expert Home Insurance Advice in Yorkshire
At Taylor Reddey Mortgages and Protection we find that clients often come to us while arranging their mortgage, as many lenders require mortgage-compliant home insurance to be in place before completion. We make sure your buildings cover meets lender requirements while also protecting everything that matters to you.
Home insurance is not just a tick-box exercise for mortgage approval. Properly arranged cover protects the structure of your property, your belongings and your financial security. We compare policies from trusted insurers and explain each option clearly, so you understand exactly what you are paying for.
Insurance You Need Before You Complete
Most lenders insist that buildings insurance is active from the date of exchange of contracts. This is because you become legally responsible for the property at that point. We arrange buildings cover for mortgage approval quickly and efficiently, giving you one less thing to worry about as completion approaches.
First-time buyer home insurance often raises questions. What level of cover do you need for a new build? Does your policy include accidental damage? Are fixtures and fittings protected? We guide you through buildings insurance for new builds, exchange of contracts insurance and the documents your lender requires.
Our approach connects seamlessly with your mortgage advice. Clients arranging first-time buyer mortgages, remortgaging deals or moving home mortgages can also secure the right insurance in one place, ensuring full protection from day one.
Buildings Insurance vs Contents Insurance Explained
Understanding the difference between buildings and contents cover is essential.
Buildings Insurance
Covers the physical structure of your home, including walls, roof, floors, windows and permanent fixtures such as kitchens and bathrooms. It protects against risks like fire, storm damage, subsidence and flooding. Many policies now offer unlimited sum insured buildings insurance, which can provide added reassurance for homeowners.
Contents Insurance
Protects your personal belongings such as furniture, electronics, clothing and valuables. You can choose contents insurance with accidental damage for extra protection against spills, drops and mishaps. High-value items may require individual listing to ensure full cover.
Optional extras can include home emergency cover add-ons, outbuilding and garden office insurance and legal expenses cover. We explain each feature so you can tailor your policy around your lifestyle.
Avoiding Underinsurance and the Average Clause
Underinsurance is a common issue. Many homeowners insure their property for its market value rather than its rebuild cost. Insurers calculate claims based on the rebuild value, not the sale price. If the property is underinsured, the “Average Clause” may apply.
The Average Clause means that if you are insured for only a percentage of the correct rebuild cost, the insurer may reduce any claim by the same percentage. This can leave you significantly out of pocket. We help calculate accurate rebuild values and review policy limits to prevent this risk.
Why Choose Taylor Reddey Mortgages and Protection?
As independent advisors, we focus on delivering clear, practical advice. Clients appreciate being able to speak to a real person who understands both mortgage requirements and protection planning. Many homeowners return to us at renewal because they value consistent guidance and competitive premiums.
If you are searching for expert home insurance advice in Yorkshire or across England and Wales, Taylor Reddey Mortgages and Protection can help. Secure the insurance you need before you complete, upgrade your existing policy or arrange specialist cover with confidence. Speak to our team today for tailored buildings and contents insurance that truly protects your home.
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Contact Us
Interested in finding out more about how we can help you with your mortgage or protection? Get in touch and we will get back to you shortly.