How much is home insurance?

The cost will vary between properties depending on the size, type and age of the property as well as the level of cover you want. Prices have increased over the past couple of years due to the increased chances of weather damage, increase in building materials coupled with the rising costs of fixing any issues.

What does buildings insurance include?

It usually covers the property itself, as well as the permanent fixtures and fittings, such as the kitchen and bathrooms. Your home will not be covered for general wear and tear and there may also be exclusions such as damage from frost or household pests. You can’t normally claim for loss or damage to your property if this occurs after it has been left unoccupied for more than 30 days.

Is subsidence covered?

In the majority of cases, yes. Subsidence impacts a building’s foundations, leading to them sinking. This usually occurs because of excess water in the soil due to poor drainage or leaking drains. In the event of a claim an excess will be payable.

Find the best building insurance for you

Buildings insurance is a must for all our clients. In addition to protecting your property from the unexpected, buildings insurance is a condition of a mortgage offer, so trust Beechwood Mortgages to help you find the right level of cover for you.

HOW TO REACH US

TYPES OF POLICIES

Getting appropriate cover for your property

BUY TO LET
INSURANCE

Find the right policy to protect your investment property in Reading, Berkshire and the surrounding counties.

FIRST TIME BUYER INSURANCE

Take your first steps on the property ladder with confidence as we help you secure and protect your first home.

INSURANCE FOR LEASEHOLDERS

Learn all you need to know about getting the best insurance cover as a leaseholder.

INSURANCE FOR FLATS

If you’re a landlord or tenant, get the latest information regarding your responsibilities and insurance for flats.

Cover that offers peace of mind

Working with the friendly team at Beechwood Mortgages will give you exclusive access to comprehensive buildings insurance for properties across Berkshire and surrounding counties. Drawing on over 20 years of industry experience, we’ll recommend the most suitable policies for your property and mortgage type, giving you complete peace of mind. Additionally, we also offer tailored contents insurance solutions to meet your individual needs.

As with all insurance policies, conditions and exclusions may apply.

PROTECT YOUR CONTENTS TOO

What is covered in buildings insurance?

Many policies are tailored to suit individual needs and vary between each provider. The majority cover: •Fire, flood and storm damage •Subsidence •Leaking pipes causing water damage •Collisions with vehicles We’ll provide the latest advice to help you understand the differences in cover as well as your insurance responsibilities as a landlord or homeowner.

Competitive rates on a range of policies

Whilst property protection is essential, we appreciate that our clients are also looking for value for money when it comes to insurance. With extensive knowledge of the current market, we have access to comprehensive policies you wouldn’t normally find, so you can make savings without compromising.

How can we help you?

Seeking assistance from an insurance adviser may seem like an unrequired expense, but the return you could receive may prove invaluable. Whilst sieving through various cover terms and providers to find you the right deal, we’ll also offer ongoing support and guidance to keep you in the know.

A couple standing in front of their new home

Don’t delay in getting the right insurance policy in place

Reach Beechwood Mortgages to sieve through the options and secure an insurance plan that protects you when you need it most.

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Find the best building insurance for you