General Insurance

What is Home Insurance?

Home insurance safeguards your most valuable asset—your home—against potential risks such as fire, theft, or weather-related damage. There are two main types of cover available to homeowners and renters:

Buildings Insurance

Protects the structure of your property, including fixtures like walls, roofs, and fitted kitchens. It can also cover garages, sheds, and gates.

Contents Insurance

Covers your possessions within the home, such as furniture, electronics, and jewellery, in case of damage or theft.

Many people opt for a combined policy that includes both buildings and contents insurance, offering complete protection for their home and belongings.

Why is Home Insurance Important?

Home insurance is essential for ensuring you’re financially protected when the unexpected happens. For homeowners, buildings insurance is often a mandatory requirement from mortgage lenders as it protects their collateral—you, in turn, get peace of mind that repair costs are covered.

For renters, contents insurance is particularly useful in securing protection for personal belongings against accidents, theft, or damage. No matter your living situation, having home insurance is a smart, practical choice that helps you safeguard your future.

Why You Should You Choose CMA Mortgage Brokers for your Home Insurance Quote

Choosing CMA Mortgage Brokers for your home insurance means gaining access to a wide range of trusted providers and competitive rates. We make it easy for you to compare options and customise your policy to suit your specific needs. Here’s what we offer:

Customised Policies

Whether you need buildings insurance, contents insurance, or a combined plan, we’ll help tailor your policy for complete coverage.

Affordable Rates

Our network of providers ensures you’re presented with the most competitive quote based on your requirements.

Expert Guidance

Unsure about what cover you need? Our experienced advisors are on hand to provide you with expert advice, helping you make informed decisions with confidence.

Convenience

Comparing quotes has never been simpler—our streamlined process ensures you’ll find the right cover with minimal hassle.

What Home Insurance Covers

Most standard home insurance policies cover the following scenarios:

Damage from fire, lightning, or explosion
Theft and attempted theft
Accidental damage
Vandalism or malicious damage
Burst pipes and water damage
Alternative accommodation if your home becomes uninhabitable

What’s Usually Not Covered

It’s also important to know what home insurance policies typically exclude, such as:

Always review your policy to understand exactly what is and isn’t covered.

How Much Does Home Insurance Cost?

Home insurance premiums vary depending on factors such as the size, location, and type of property, as well as the level of coverage you choose.

Some tips for reducing your premiums include:

Explore affordable options with CMA Mortgage Brokers—we’ll help you find the perfect balance between price and coverage.

Additional Options for Comprehensive Cover

Need extra peace of mind? Enhance your policy with these optional add-ons:

Home Emergency Cover

Protects against urgent problems like heating breakdowns or burst pipes.

Accidental Damage Cover

Covers mishaps like stained carpets or broken windows.

Personal Possessions Cover

Insures valuables like jewellery, phones, or laptops outside your home.

Temporary Accommodation Costs

Covers the cost of alternative accommodation in the event your home becomes uninhabitable.

These extras can be valuable depending on your lifestyle and property.

Why Choose CMA Mortgage Brokers for Your Home Insurance?

At CMA Mortgage Brokers, we prioritise your needs and budget, offering tailored solutions that align with your lifestyle. Here’s why customers trust us:

Experience You Can Rely On

Our team of experts has years of experience in simplifying the insurance selection process.

Wide Network of Providers

We compare quotes from leading home insurance providers to find you the best deals.

Customer-Focused Service

Your satisfaction is at the heart of what we do. We’ll guide you every step of the way, ensuring you’re confident in your policy choice.

Get Started Today

Secure comprehensive protection for your home with CMA Mortgage Brokers. Contact our team to request a free, no-obligation quote and explore the best home insurance solutions for you.

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

The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.