Building Insurance

Arranging buildings insurance can be daunting, but it is crucial to ensure that you have adequate cover in place for your home or property. Buildings insurance is a type of policy that protects the structure and fabric of your building if something happens, such as fire, subsidence, flooding or theft. 

We understand that one size does not fit all when it comes to buildings insurance, so we can tailor a policy to your specific needs. We can help you to decide exactly how much cover is necessary for your property and provide advice on the type of policy that’s best suited for you

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We’ll also take care of all the paperwork associated with setting up a buildings insurance policy, so you can be sure that everything is taken care of quickly and efficiently. We are here to make the process simple and hassle-free, ensuring that you have peace of mind knowing that your property is adequately protected.

Although it's not a legal requirement to have buildings insurance cover in place, if you have a mortgage, your mortgage provider will require you to have a buildings insurance policy for the duration of the mortgage. This is because your mortgage provider has an interest in the property and so will want to make sure that it is covered for any potential damage.

Building insurance policies typically cover damage caused by events such as:

• Fire, explosions, floods, storms & earthquakes
• Theft, attempted theft & vandalism
• Burst pipes, frozen pipes & subsidence
• Vehicle or aircraft collisions
• Fallen trees, lampposts & aerials 

We understand that finding affordable buildings insurance can be difficult so we are here to help you find a policy which meets your needs at the most competitive price. Get in touch for more information. 

 Being a landlord brings many advantages, but it also requires responsibilities. One of those important responsibilities is to make sure that the property you are renting out is adequately covered by insurance, in case anything happens to it.

Many landlords choose to run their businesses through a limited company and if that is the case for you, then you will need to make sure that you secure the right insurance cover. Limited Company Buy to Let Insurance provides landlords with protection against some of the risks they face when renting out their properties.

It is designed to protect you as a landlord from specific risks associated with renting out your property, such as loss or damage to the building caused by fire, flooding or subsidence, cover for legal liabilities, accidental damage cover and alternative accommodation cover.

Buy-to-let property brings a unique set of risks and challenges, which is why standard home insurance policies are not suitable for landlords. From managing tenants to meeting health and safety requirements, a landlord insurance policy provides you with cover for the additional elements of being a landlord.

Landlord insurance is usually more comprehensive than standard home insurance as it will cover things like loss of rental income, property owners liability insurance, legal expenses and property damage caused by tenants or visitors to your property. 

At Your Mortgage Ghai, we work with the entire market to ensure that you get the best possible cover for your limited company buy-to-let investment. We can help you to find a range of options that are tailored to meet your individual needs, whether you own one property or many.

We can help you to understand the different types of cover available and ensure that you have everything in place for peace of mind. We understand that when it comes to running a business, time is precious so we have made our process simple – just give us a call or fill out our quick online form and we will be in touch to discuss your quote.