• Home
  • Mortgages
  • Types of Mortgages
  • Protection
  • Home Insurance
  • Client Portal
  • Contact
  • Blog
  • More
    • Home
    • Mortgages
    • Types of Mortgages
    • Protection
    • Home Insurance
    • Client Portal
    • Contact
    • Blog
  • Home
  • Mortgages
  • Types of Mortgages
  • Protection
  • Home Insurance
  • Client Portal
  • Contact
  • Blog

Utopia Financial Services

Utopia Financial ServicesUtopia Financial ServicesUtopia Financial Services

Mortgage & Protection Specialists

Mortgage & Protection SpecialistsMortgage & Protection SpecialistsMortgage & Protection Specialists

Home & Landlords Insurance - Things happen you can't control

Buildings

Buildings

Buildings

 

Buildings Insurance covers the physical structure of your house, such as walls, roofs, ceilings, doors, as well as permanent fixtures and fittings (kitchens, bathrooms etc.) - it may also cover damage to things such as conservatories, sheds or garages linked to or on your property.

Depending on the policy, Building Insurance provides cover against damage by things such as fire, flood, lightning, explosion, earthquake, theft or attempted theft, riots, vandalism, storms, subsidence, falling trees, moving objects (for example, a car hitting your house) or water/oil leaks.

If you have a mortgage, your lender will normally insist that your property (and their security) is protected by buildings insurance. This is to safeguard their investment in your property.

A comprehensive Buildings Insurance policy should cover the full cost of repair/rebuild in the event of the following:

  • Damage to buildings - Including but not limited to storm, flood, fire, smoke, earthquake
  • Alternate accommodation - In the event your property becomes inhabitable due any of the claim criteria
  • Home emergency cover - To provide assistance in the event of burst pipes etc.
  • Escape of water or leakage of oil - Burst pipes etc.
  • Accidental damage - To provide cover against accidental breakage or damage to your home (windows, fixed units etc.)

Contents

Buildings

Buildings

 

What does it cover?

It covers the loss of or damage to the contents of your home, this includes household goods and personal belongings. Some policies cover you for items you take outside of the home, for example cameras, jewellery and other personal effects. Different policies offer different levels of cover but generally you'll be covered against loss or damage from causes such as fire, storm, flood or theft and have the option to insure against accidental damage. 

Keeping costs down

Many insurers will offer discounts if you have a burglar alarm, window locks or if you're a member of a Neighbourhood Watch scheme. You may also get a deal if you combine contents and buildings insurance. 

Most policies have a standard excess charge which means you agree to pay the first part of any claim, for example the first £50 or £100. If you agree to pay a higher excess, the policy cost is likely to be lower. 

Always compare what's covered by a policy, not just the price – the key policy information will help you do this. Some might be cheaper than others, but they may not offer the same level of protection. 

Additional benefits on a contents policy can include:

  • Accidental Damage Cover
  • Credit Card Misuse
  • Door lock replacement
  • Money
  • Theft or attempted theft from your garage or outbuildings
  • Your legal liability as a home occupier for injury to others or damage to their property

Landlords

Buildings

Landlords

 

As a landlord, your rental property can be a great asset. But if your unprepared or just plain unlucky, it can also quite quickly become a financial burden.

Landlords Insurance can provide cover for your investment against the following:

  • Loss or damage - Caused by fire, flood, leaking oil or fallen trees
  • Accidental or malicious damage - Caused by tenants
  • Theft
  • Unpaid rent
  • Legal disputes - To pursue or defend claims involving a breach of your tenancy agreement
  • Alternate accommodation for your tenant - If the property is made uninhabitable due to an insured event
  • Home emergency cover

In addition, multiple properties can also often be covered under one policy with a discount applied based on your portfolio size.

Reviews

Social

Contact Us

Send Message

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Utopia Financial Services

12 Houghton Close, Asfordby Hill, Melton Mowbray, LE14 3QL, United Kingdom

Phone: 07505 279603 Email: Chris@utopiafinancialservices.com

Hours

Monday - Saturday: 9am - 6pm

As with all insurance policies, conditions and exclusions will apply. 


Utopia Financial Services Ltd is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. 

Registered Office: 22a Burton Street. Melton Mowbray, Leics, LE13 1AF.

Registered Company Number: 9983576. Registered in England & Wales.


Utopia Financial Services FCA Number 735134 Click on this link (fca.org.uk) for access to the FCA Register.  "You are now leaving the website of Utopia Financial Services Ltd and we cannot be held responsible for the content of this external website."


The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Calls may be recorded for training and monitoring.


Copyright © 2023 Utopia Financial Services - All Rights Reserved.

Powered by GoDaddy

  • Privacy Policy
  • Cookies Policy
  • Just in Time Notice
  • Complaints Policy

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

DeclineAccept