Insurance

Taking on the commitment of long-term mortgage payments and the responsibilities of owning a property can feel like a huge financial burden.

Protecting Hands Over House - Home Security And Protection Conce

Types of insurance available

To ensure that you can keep up with your mortgage payments in times of crisis, to provide financial protection for your family and to protect your home and its contents we will refer you to our associate The Right Broker.

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Buildings Insurance

This insurance covers your home against structural damage caused by fire, flood, subsidence and other causes and is essential as most lenders insist that such insurance is in place as a condition of the mortgage.

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Buildings and Contents Insurance

This can usually be combined into one policy and can be extended to include Legal Expenses Cover, Home Emergency Cover and Identity Fraud Protection. We’ll help you choose the right Insurance package to suit your needs and to secure peace of mind for you and your dependents.

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Income Protection Insurance

This will provide replacement income if you were to become ill or disabled and unable to work long term

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Landlords’ Insurance for Buy to Let properties

We’re also able to provide Landlords’ Insurance for Buy to Let properties, but please contact us to find out more

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Contents Insurance

This covers the loss, theft or damage of the contents of your home, including personal possessions such as furniture, electrical goods, jewellery, mobile phones, cameras etc, with the option of including personal belongings away from home.

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Critical Illness Cover

This can be included in your Mortgage Protection Plan or is available on stand-alone basis. This will provide a lump sum to pay off your mortgage if you were to suffer a specified critical illness. Policy may not cover all definitions of a critical illness.

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Mortgage Protection Insurance

This will pay off your mortgage if you were to die or become terminally ill before the end of your mortgage term.

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Accident, Sickness & Unemployment Insurance

This will cover your mortgage payments for up to 24 months

Accident, Sickness and Unemployment Insurance, Income Protection, Mortgage Protection, Critical Illness Cover, Buildings and Contents Insurance and Landlords’ Insurance policies have no cash-in value at any time and will cease at the end of the term. Cover will lapse if premiums are not maintained.



Buildings Insurance

This insurance covers your home against structural damage caused by fire, flood, subsidence and other causes and is essential as most lenders insist that such insurance is in place as a condition of the mortgage.



Buildings and Contents Insurance

This can usually be combined into one policy and can be extended to include Legal Expenses Cover, Home Emergency Cover and Identity Fraud Protection. We’ll help you choose the right Insurance package to suit your needs and to secure peace of mind for you and your dependents.



Income Protection Insurance

This will provide replacement income if you were to become ill or disabled and unable to work long term



Landlords’ Insurance for Buy to Let properties

We’re also able to provide Landlords’ Insurance for Buy to Let properties, but please contact us to find out more



Critical Illness Cover

This can be included in your Mortgage Protection Plan or is available on stand-alone basis. This will provide a lump sum to pay off your mortgage if you were to suffer a specified critical illness. Policy may not cover all definitions of a critical illness.



Contents Insurance

This covers the loss, theft or damage of the contents of your home, including personal possessions such as furniture, electrical goods, jewellery, mobile phones, cameras etc, with the option of including personal belongings away from home.



Accident, Sickness & Unemployment Insurance

This will cover your mortgage payments for up to 24 months



Mortgage Protection Insurance

This will pay off your mortgage if you were to die or become terminally ill before the end of your mortgage term.

Accident, Sickness and Unemployment Insurance, Income Protection, Mortgage Protection, Critical Illness Cover, Buildings and Contents Insurance and Landlords’ Insurance policies have no cash-in value at any time and will cease at the end of the term. Cover will lapse if premiums are not maintained.

Get a Free No-Obligation Consultation

We offer an initial no-obligation consultation at our expense to see if we can help. Following this, we'll commence our research and will come back to you with our recommendations.

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK

Terence Richard Humphreys, trading as Bespoke Mortgages incorporating Terry Humphreys Mortgage Services is an Appointed Representative of The Right Mortgage Ltd which is authorised and regulated by the Financial Conduct Authority