General Insurance
Protect your home or buy-to-let investment against damage, whether accident or not, such as fire, flood, leaks and slips-and-trips.
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General Insurance
Insurance is a necessity in today’s world. When an unexpected event occurs, such as a death in the family, burglary, or natural disaster, having the right cover can help your family protect their livelihood and assets they have worked their lives to earn.
Your home is likely to be your most valuable financial asset.
Unfortunately, incidents do occur which can potentially destroy or severely damage your property. With this in mind, the right level of cover must be in place to guard against such incidents.
Buildings and Contents Cover
Buildings and Contents insurance provides you with peace of mind by protecting your home’s structure and the contents within it. Within these policies, you will likely find many options such as Accidental Damage, Personal Belongings Cover, Home Emergency Cover and Legal Expenses Cover.
At Marigold Financial, we can find you some of the best rates with a variety of trusted service providers. Whether you are looking for life insurance, home and contents insurance, or another type of cover, we will help provide you with the advice and support to enable the process to run smoothly.
When purchasing a property, mortgage lenders in the UK require that the property is “under risk”, with an appropriate buildings insurance cover, before exchanging contracts. This prerequisite insurance requirement is to protect the lenders’ interest in the property. After completion, the lender requires that the policy must be maintained, uninterrupted, throughout your ownership.
Buildings Insurance Cover insures the property’s structure and its fixture and fittings, typically against subsidence and damage from burst pipes, flooding and other insurable incidents. Alongside buildings cover, contents cover ensures your personal belongings against damage caused by the same incidents occurring.
Buy-To-Let Landlords
For buy-to-let landlords, it is vitally important to consider the landlord’s insurance cover as the degree of risk associated with a BTL investment is higher than that of a standard homeowner.
Some additional products can be taken with any buildings and contents cover, including accidental damage, legal protection and home care cover. Also, for landlords, additions can include rent payment protection, tenant rehousing and other landlord specific policy additions.
It is essential to consider the Defaqto rating of any insurance policy you take as this rating scale grades the quality and comprehensiveness of the features and benefits that the policy provides. All of the building and contents and landlord insurance policies we offer are five-star Defaqto rated policies.
Please speak to our London based mortgage and protection advice team today to discuss your residential property insurance needs.
Buy-to-Let Mortgage
Seasoned investor or an accidental landlord, we will source the right product for you.
Life Insurance
Minimise the financial impact of your passing by obtaining an appropriate life insurance policy.
Let-to-Buy Mortgage
Outgrown your existing property? We can help to keep your existing home and buy a new one.
Income Protection
Want to protect your income? We can advise on policies that guard against accidents and illnesses.
Other Services
General Buildings Insurance is only one aspect of insurance advice we can help with. There are other alternatives and complimentary services that we offer, which may of interest. Below is a small list of what we offer.
If you would like more information, do not hesitate to contact us using the meeting link below.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Some buy to let mortgages are not regulated by the Financial Conduct Authority
