Arrange a call back today, our team are here to help

Home Insurance

Buildings and contents insurance are important considerations when it comes to buying a home. Our team is on hand to help you meet all legal requirements and protect your hard-earned investment.

  • Buildings insurance is a legal requirement
  • Personal service & patient explanation
Get started online
01225 970 830

Keeping you, your property and your possessions safe

When buying a new home, or remortgaging your current one, it is a legal requirement to have buildings insurance in place to protect the bricks and mortar of your investment. This means that should the worst happen, you’ll be able to recover your assets and rebuild your beautiful home.

Contents insurance is another type of protection that comes highly recommended in order to safeguard your possessions within your home and in some instances outside.

While these two types of home insurance are separate entities, they can often be bought together with the added benefit of a multi-product discount. Talk to our protection experts about how best to keep your home and its contents safe.

Please be aware that for insurance business we offer products from a choice of insurers.

What is buildings insurance and do I need it?

Having suitable buildings insurance in place is something a mortgage lender will insist upon, regardless of whether it’s a new property or a remortgage.

Could you afford to pay the cost of rebuilding your home from scratch if there was a fire? Could you afford to pay for the repair work to your home following a major flood? Besides the fact that Buildings Insurance is a mandatory requirement for your mortgage, making sure you have cover in place from day one is an essential thing to do, not least to protect your most valuable asset – the roof over your family’s heads.

What is contents insurance and do I need it?

Contents insurance protects you against the loss of, or damage to, the contents of your home. This includes all of your furniture, electrical goods and personal goods too. There are even optional features of a contents insurance policy that will help cover you for items when you are away from your home.

Different policies offer different levels of cover, but we have access to a wide range of insurers from across the market. We can tailor the most suitable insurance product available to your circumstances at an affordable amount.

If you have high value items at home, we can also look to protect them from loss or damage by including them on an individual basis on your bespoke contents policy.

Talk to our protection team to find out more.

We make it easy for you

Get started online or speak to our team

Complete our form or give us a call. Everyone’s needs are different so we’ll gather all he info we need to help make your application as smooth as possible.

We search the market to find the right deal for you

We have access to hundreds of deals. Our team will search the market and give you options that best suit your needs and save you money.

We support you through the whole process

Buying a property is rarely straightforward, so our expert team will be there to guide you all the way through the process from offer to completion.

Ready to find the right mortgage?

Complete the online form or talk to one of our team today

Get started online

Home Insurance:
Everything you need to know

...
Buying your next home
Starting your property search: how to find your dream home

Here we give you our top tips on what to do, what not to do and how to keep your head when it comes to starting your property search.

...
Buy to let
Letting to a family member

You’ve bought an investment property on the basis you’ll let it out to make a return. But you’ve decided to rent it to a close friend or family member. What could possibly go wrong, right?

...
Mortgages
Remortgage Tips

If you are looking to remortgage, don’t assume you need to wait until the end of your current deal before you can start the process. If your mortgage is due in the next 6 months, or if you are concerned about rising interest rates, why not speak to one of our mortgage experts here? We can help determine if remortgaging is beneficial for you.

See all guides

Ready to get your journey started?

Complete the form
Call us on 01225 970 830
Request a call back

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend on your circumstances. The fee is up to 1% but a typical fee is £549.

Thousands of happy customers

Incredible
I could not fault Lucra mortgages they have been incredible from start to finish! Every…
William Cooksey, December 4, 2022
Highly Recommend
I had an excellent experience using this mortgage broking team. They complete understood my needs…
Kate Nairn, December 2, 2022
Super-star
Darren at Lucra has been an absolute super-star in his work for my wife and…
Leo Fabbri, November 29, 2022
Awesome
Darren was awesome! Got us the best mortgage possible after no time at all, kept…
Jamie Smith, November 23, 2022
Super Helpful
Darren was super helpful, clear and concise with the whole help to buy and mortgage…
Craig Roberts, November 8, 2022
View us on trustpilot