Protecting your home when taking out a mortgage is a legal requirement, and it’s essential to ensure you have the right level of cover in place. Choosing the cheapest policy isn’t always the best option – adequate protection matters.

Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged or destroyed. This typically includes protection against risks such as fire, storms, flooding, vandalism, subsidence, and water damage.

Contents insurance, on the other hand, is optional. It protects your personal belongings within the home against risks like theft, fire, and flood, giving you added peace of mind. 

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