Home Insurance
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Please contact us for a no-obligation conversation with an adviser about the most suitable mortgage option for you.
Many lenders will insist on having insurance in place before authorising the release of mortgage funds. In the main, this applies to home insurance and specifically buildings insurance.
For insurance business we offer products from a choice of insurers.
Introducing Home Insurance
As with all our products, home insurance means you’re covered against the unforeseen and unexpected. With Heron Financial there’s different options available to cover you for loss and theft.
We provide two main types of home insurance.
Buildings Insurance
Contents Insurance
With the structure of your property covered, it’s important to protect everything inside also. This is where content insurance steps in.
Why Choose Us?
As dedicated mortgage and insurance experts, we’re able to deal with everything on your behalf. Because we avoid confusing questions, we’re able to find you the very best level of cover at a reasonable cost. If we said this could be achieved under four minutes would you challenge us? At Heron Financial there’s no hidden charges and this makes us trustworthy. We’re backed by over 550 excellent reviews on Trustpilot, so don’t just take our word for it. Make changes to your policy at any time, without hassle.
For insurance business we offer products from a choice of insurers
FAQs
Do I have to have home insurance to get a mortgage in the UK?
Yes, in practical terms. Most UK lenders require buildings insurance to be in place before they'll release the mortgage funds. Contents insurance is optional but most homeowners take it out at the same time. If you're buying a leasehold flat, buildings insurance is usually arranged by the freeholder and built into the service charge, so check that before arranging your own.
What's the difference between buildings insurance and contents insurance?
Buildings insurance covers the physical structure of the property: walls, roof, floors, fitted kitchens and bathrooms, and similar built-in items, against events like fire, flood and storm damage. Contents insurance covers everything inside that isn't fixed, including furniture, electronics, clothing, jewellery and personal belongings. The two are sold separately or as a combined policy.
Does my mortgage lender's buildings insurance cover my belongings inside the home?
No. Buildings insurance only covers the structure of the property and built-in items. Your belongings (furniture, electronics, clothes, jewellery, kitchenware) are only covered if you also have contents insurance. Bundling the two is often slightly cheaper than buying them separately, and means a single insurer and a single claim if something happens that damages both the building and what's inside.
Do I need contents insurance if I'm a first-time buyer with not much in the house yet?
Probably yes, because contents add up faster than people expect. A walk through any home with a phone-camera valuation often comes out far higher than the owner expected, once kitchen equipment, electronics, clothes and personal effects are included. Contents insurance is also one of the cheapest insurances on the market for the cover provided, so the case for skipping it weakens quickly even on modest belongings.
When does my home insurance need to start — on exchange or completion?
For most freehold purchases, buildings insurance needs to be in place from the date of exchange, not completion, because legal responsibility for the property passes to you at exchange. For leasehold flats where the freeholder arranges buildings cover, it's usually completion. Contents insurance can start on completion or moving-in day, whichever is later. A broker can line the dates up so cover starts exactly when it needs to.
Does Heron Financial arrange home insurance alongside the mortgage?
Yes. Heron Financial offers products from a choice of insurers and can arrange buildings cover, contents cover or both at the same time as the mortgage. The team handles the timing so cover is in place before the lender releases funds, and policies can be amended at any time without hassle. Initial conversations are no-obligation.