Essex Mortgages

Buildings and Contents Insurance

Building and Contents Insurance provides a property owner or homeowner with protection for the structural building of their property, as well as the contents within it. Insurance is an important part of owning a property and should be in place before completing the purchase of a home.There are countless insurers offering building and contents insurance. These vary from high street banks through to online specialists. It’s important to do your research and ensure that you have the correct amount of cover for your individual needs, particularly if you have an older building or high worth contents.

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Why take out Building and Contents Insurance?

Building and Contents Insurance is usually taken out by homeowners who own freehold properties, rather than leasehold, and is often required to secure a mortgage. It provides cover and protection should the worst happen to your home (such as structural damage), or the contents within your home are damaged or stolen.

How do I know what insurance to take out?

There are hundreds of different policies and insurance providers available on the market, which can make the decision difficult.Before starting out on your Contents Insurance search, it’s imperative to take into account all the items you have in your home, including valuables such as jewellery and watches, televisions and any other high value items. Having a basic understanding of the structural properties of your home will also improve your Building Insurance search. By working with our experts at Essex Mortgages, we can help make this choice much simpler.

What does it cover?

Building and Contents Insurance provides comprehensive protection (depending on the terms of your policy), of your home in the event of structural issues or damage and theft of the contents within it.The Building Insurance part of your policy will cover the cost of repairing issues related to the structure of your property, such as damage caused by storms or fire. Often garages, sheds and fences are also covered, along with other things such as drains and pipes.

Experts in Home and Contents

As a business, we have vast experience securing the most suitable insurance policies for our clients. We are committed to delivering outstanding customer service at every stage, and this includes taking the time to fully understand your requirements before sourcing policies which could help to meet your needs.

What Our Clients Say

My experience was amazing. The whole process went smoothly. The whole team was so helpful. They didn’t waste anytime, very polite and made sure I got the best deal possible. The communication was brilliant. So I want to say a big thank for making it successful!

– Abisola – September 2023

I have used this company twice now and how easy and great they are to use. So friendly and helpful.

– Caroline – August 2023

Excellent service from start to finish. Mortgage agreed in 7 days. Well done Dan at Colchester Mortgages.

– Colin – August 2023

Helpful professional service. Would use happily again.

– Miklos – August 2023

We want to firstly say a huge thank you to Billie-Jai at Colchester Mortgages. We spoke to Billie-Jai before making an offer and we were very impressed and grateful for the advice and support offered. Billie-Jai always went the extra mile to ensure we were aware of the situation and any updates on our process even out of office hours which made our experience through the process that much easier and simpler. Billie-Jai always gave us information and advice that suited our needs. I can honestly say as first-time buyers the process has been smooth because of the great support we have received. We recommend everyone to use Colchester Mortgages and we will be making sure to continue working with Billie-Jai in the future. Not only as we trust Billie-Jai but her strong work ethic does not go unnoticed. Additionally, thank you to Poppy who has been very professional and helpful.

– Nina – September 2023

We are first time buyers that went into the process completely clueless but the team at Colchester Mortgages, especially Billie-Jai, have been absolutely amazing! Any questions, concerns and alterations we have made were dealt with extremely quickly and efficiently and she would keep us informed at every stage. Colchester Mortgages have kept in contact very regularly to keep us updated on the process and have chased up all the necessary things to make sure it all runs smoothly. Thank you to Billie-Jai and all on the team!

– Reece – August 2023

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Get in touch with our experts and discover what building and contents insurance options are available to you.