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Insurance and Protection
In an ideal world, every penny you spend on insurance will be a waste of money. I actively hope that nobody I help set up an insurance policy ever gets to see a return on their cost. Because if they do, it means something bad has happened in their life.
As part of the home buying process it’s important to take some time to review your insurance needs. Whether it’s taking out buildings insurance (often a requirement of lenders) to cover you in the event of the property falling over. Or taking out income protection so you can maintain your mortgage payments if you find yourself unable to work anymore. If you have loved ones who would struggle to pay the mortgage if you were no longer with us, then life insurance might be required as well.
Everyone has different requirements and there is no such thing as a perfect fit for everyone. We will take the time to really figure out what is most important to you and give you the options of how you can protect yourself.
If you had every possible type of insurance, it would cost a small fortune each month. What’s important is knowing how much everything is going to cost and prioritising your needs. That’s where we come in. We’ll pull together quotes for all your stated needs, then help you prioritise the insurances most relevant to you.
For a more in depth look at the insurance types available, you can read our Insurance Guide here.
Or if you’d like to speak with an advisor, get in touch via the form below.
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Life insurance generally pays out a lump sum amount in the event the insured dies. The amount paid out is usually enough to cover the mortgage you have on a property so that the surviving members of your family no longer have to worry about paying for their home.It’s depressing insurance, to be honest, but one that can give you peace of mind knowing you’ve protected your loved ones from beyond the grave. Like a benevolent zombie or something.
Income protection provides you with a monthly income in the event you can no longer work due to accident or illness. Generally the amount you receive will be slightly less than your normal full-time wage, but can pay out up until your retirement age in some circumstances.This is pretty much required by everyone in the country, as not many people have enough savings or passive income to cover all of their costs for the rest of their lives. Unless you’re the rich Uncle in Duck Tales. In which case, can I come swim in your gold coin pool?
Critical Illness Cover
Critical Illness Cover provides a lump sum payment upon diagnosis of specific conditions. The conditions are pretty standard across the insurance companies, but there can be some variance. This money can help with the cost of care, or to make up for any lost earnings while you’re ill. It could also be used to make any adjustments needed to your life to cope with your condition.
Buildings & Contents Insurance
If your house sneezes and falls over, then Buildings Insurance will help repair the structure and fabric of the building. If your tap leaks and you end up flooding the lounge and turning your TV into a float, then Contents Insurance will help pay for a new TV.
Landlords not only need buildings insurance in a lot of cases, but Landlord Insurance covers for things like the tenants not paying their rent, or damaging your property. You can also include insurance protecting you from liability for injury of people working at the property on your behalf. Being a Landlord is a business and it’s important to treat it like one, so making sure you’re protected from – unlikely, but devastating occurrences is vital.