Buildings Insurance
Buildings Insurance
While you cannot predict any issues happening to the structural integrity of your home when Mother Nature steps in, you can cover yourself just in case of an issue. Prevention is far less expensive than a cure, and some of the things that can affect your building that buildings insurance can cover are:
- Fire, flood, storm damage
- Subsidence – where the foundations of your home slowly sink into the ground beneath it
- Heave – where the land rises and disturbs the structure of the home
- Pipes – frozen pipes in the winter? Water damage needs coverage
- Shed & garage
- Garden
- Accidental damage
- Home emergencies like broken heating systems
- Moving home
What Isn’t Covered?
There are, of course, things that buildings insurance won’t cover you for and these are things that will be written into your insurance policy. These can include:
- General wear and tear
- Gradual building decay
- Pest infestations
- Frost damage
- Deliberate damage
Your Policy
The insurance policy that you have will dictate whether any of those exclusions apply to you, and it’s very important to remember that the policy you have won’t offer the same level of cover as other policies. If you are a property owner, you need to have buildings insurance no matter what, and if you have a mortgage, your lender will need you to have insurance in place – you are legally responsible for the building. At 1st Mortgage Services, we are happy to help you to choose your buildings insurance and we deal with a number of providers to find you a policy suitable to your needs.
What our clients are saying
Benefits of Being With the Business
Considering succession planning can be overwhelming, especially when trying to navigate industry compliance and changes. However, I found a solution that not only alleviated these concerns but also offered valuable support for my clients.
By meeting with Julie Gilbert at First Mortgage Services, I discovered the advantages of fully onboarding with them. They provide access to additional resources, such as an administrator and regular sales meetings. This support allowed me to not only continue advising my clients but also have more time for my family.
When the time comes for succession planning, I can make the decision to continue advising without feeling pressured or rushed.
If you're in need of succession planning or considering onboarding, I highly recommend First Mortgage Services. They have the expertise and support to make the transition seamless and beneficial for all parties involved.
1st Mortgage Services is a lovely place to operate under as a mortgage and protection intermediary. They have a positive and forward-thinking attitude and a great team around you to support all aspects of the job.
I have personally gained a vast amount of experience from my time with the company and have benefited greatly from the shared experience of the whole team. The support of the marketing and paraplanning departments helps greatly with managing workload while ensuring industry standards are adhered to.
The team were all very welcoming and I have always felt at home since joining. It really makes a difference to have that positive working environment with other individuals and to feel part of a team, and 1st Mortgage Services has always had that for me.
Since joining 1st Mortgage Services, I have felt a level of support in growing my business I have not had before. Julie constantly thinks of new ways to generate business, keep engaged with local business’ and promotes the company in various different ways so we are never really out of people sight.
The recent regulatory changes haven’t been a challenge as the support we get from our colleagues, in admin and para planning are fantastic. So we are always on top of our cases and clients constantly kept up to date. This just means everyone who steps foot through our door gets the best possible service in all areas of the advice process from start to finish.
Speak to Us
We specialise in finding suitable mortgages for our clients from a curated list of over 65 lenders. We’ve done the hard work – we’ve already built fantastic relationships with these lenders, so you don’t have to. Our service is completely tailored to fit your requirements. We cater for most parts of the mortgage market and clients nationwide.
To inquire about succession planning or onboarding, reach out to us by email or phone.
- 01845 501830
- info@1stmortgageservices.co.uk
