Buildings and Contents Insurance

Nobody likes to pay over the odds for their insurances so looking for a buildings and contents insurance policy for your home that pays out when you need it to should be something we are all looking for. Most banks and building societies will try to sell you buildings and contents, or household insurance along with the mortgage, however, this is not usually the best value for money.

Banks and building societies are usually tied to one insurance provider so they can get away with charging more as they cannot show you a comparison against other companies which will offer you a similar product at a cheaper price.

Blue Moon will look around the leading insurance companies for buildings and contents insurance for you, we are confident we can find you cheaper home insurance for a similar product that you may have purchased through your lender.

Buildings insurance will normally be required as part of the terms and conditions of the mortgage being given, but you do not have to purchase it through your lender. Contents insurance is not required by your bank or building society as a condition of lending you money for the mortgage, this is for your own peace of mind in case of burglary, fire or damage. The majority of people in the UK are underinsured on their contents insurance. A survey by More Th>n in 2003 showed that the contents of the typical house is worth £42,000 (£48,000 in the South East), which is an increase of over 42% in the previous nine years.

This has left the typical UK household underinsured by £27,000. If you have not had your buildings and contents insurance reviewed recently then you could find yourself out of pocket should the worst happen.

If you would like a quote for either or both of your buildings and/or contents insurance please call one of our advisers on 0800 011 20 21. With access to the Uk's leading insurers we will be able to source you a policy that is right for you.

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Blue Moon Mortgages Limited (Registered no. 5588223) is authorised and regulated by the Financial Services Authority (FSA No. 451679) for pure protection, residential mortgages and general insurance business. Not all buy to let mortgages are regulated by the Financial Services Authority. Not all commercial mortgages are regulated by the Financial Services Authority. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage. The overall cost for comparison is 7.0%APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration. There will be a fee for mortgage advice. The exact amount will depend on your circumstances, but we estimate this will be £695 for a straightforward application and up to 2% for impaired credit lending.