When home owners take out buildings insurance they will usually find that the same insurance company is able to offer a policy for contents insurance. It is essential to have contents insurance whether the home is owned outright or with a mortgage, or whether the property is being rented. Tenants often forget that they need to provide their own contents insurance. The landlord will usually have a buildings insurance policy to protect the building but this will typically not cover the contents belonging to the tennant.
Contents insurance is really necessary and there is a considerable amount of choice. The policy can have, amongst other items, accidental damage, old for new insurance and even cover for personal property when it is left in a car or damaged or stolen outside of the home. It is important to ensure that all contents are included in the policy and that you make sure that the minimum cover isn't taken. Should there be an accident, or the property has a burglary or any other incident, and the insurance is less than the full value of the contents in the property then the insurance company will only pay a proportion of the claim.
It is surprising how quickly the value of contents mount up so it is well worth taking an inventory of all contents in order to make sure that nothing has been forgotten. Don't forget to include jewellery and any collections (eg. coins or stamps) which can add to the value quite significantly.
It is important to contact brokers who know the various insurance companies and are able to arrange the best policy for your requirements. The experienced consultants at UKFCS Mortgage Specialists will be only too delighted to assist you with the most appropriate contents insurance.
We've used UKFCS Mortgage Specialists for many transactions because of their fast, knowledgeable and personal service combined with an excellent selection of lenders. Kirk, Danny, Alisha and the the team have been great for us and they can be for you too!By Ian Brown and Di Kuang
Excellent services delivered by UKFCS Mortgage Specialists for past 15 years. I am a landlord therefore frequently used the services of UKFCS Mortgage Specialists to arrange or re-mortgages rental or personal properties without any issue. UKFCS Mortgage Specialists are highly recommend.By Asad Riaz
We used UKFCS Mortgage Specialists for our recent mortgage. The staff are friendly and helpful and the process was smooth and easy. I would highly recommend this company.By Lauren Broughton
We are local estate agent who values good services that we can provide to our sellers and buyers and mortgage advice is paramount to us. We have been working closely with UKFCS Mortgage Specialists for a couple of years now and being so close to our office means many of our clients choose to visit them straight after coming into our offices, or alternatively we can arrange for them to call our clients at a convenient time to discuss their financial needs. They will guide the first time buyer through all the stages of the offer and explain everything every step of the way.By Erica
I would highly recommend UKFCS Mortgage Specialists, I have always felt supported and well informed throughout the mortgage application process and know that I can rely on their professional service every time.By Shaun Collins
Very efficient service with prompt responses and the best deals on the market. Would thoroughly recommend their services.By Steve Masters
As a first time buyer, we had lots of questions which were always answered in detail and it made the process of buying our home more smooth than stressful and we will be using UKFCS Mortgage Specialists again for future re-mortgagesBy Natalie
Authorised and Regulated by the Financial Conduct Authority. UKFCS Mortgages Specialists is the trading name of UK Financial Consultancy Services Ltd. UK Financial Consultancy Services Ltd, Registered in England and Wales No.5467810
Registered Office: 33 Darnley Road, Gravesend, Kent, DA11 0SD Your home may be repossessed if you do not keep up repayments on a mortgage or any other debts secured on it.
The overall cost for comparison is 4.4% however the actual rate will depend on your circumstances.
UK Financial Consultancy Services Ltd operate as an intermediary and are not a principal lender
Our FCA registered number is 435495 and can be found on the regulators website at www.fca.org.uk/register