Home insurance is a general term for protecting your house and your belongings. There are two main types of home insurance to consider – buildings and contents. Buildings insurance protects the property and permanent fixtures, whilst contents insurance covers the important items inside your home. You can purchase them separately or together in a single home insurance policy.
Because different insurance companies provide different levels of cover, it is important to find the right protection for you. That is why we search for insurance needs made to fit you, then find you the best deal. Get a quote today.
"Highly recommend Jen at Property Link Homes. Excellent communication, reliable and knowledgeable".
"A star ⭐️ for this company! Very responsive, great advice and really set our minds at ease, will definitely use again".
Do I need home insurance?
Although nobody likes to think of something bad happening to our home, accidents can happen. So, whilst it’s tempting to think of home insurance as an unnecessary extra cost, how would you afford to repair damage or replace the contents in your home? Whether you rent or own your home, insuring your home and belongings makes sense.
The good news is that we can help. Here at Property Link Homes, we pride ourselves on our insurance expertise and can talk you through finding the right level of cover for your home.
Which insurance do I need?
Whatever type of property you live in, even if it is considered not a standard home, the chances are we can help you to find the cover you need, as well as providing home contents protection.
Search for Building Insurance or Contents Insurance, or contact us for a combined single policy. You can even use our quote tool to find out how much you will pay a month. We are here to help you protect your home.
If your home is damaged, then you want the peace of mind to know you can afford to fix it. Buildings insurance covers natural disasters such as storms and floods as well as accidents such as a fire. Contents insurance helps protect against burglary and accidental damage to your possessions.
All insurance policies have exceptions and different levels of cover. That is why it is important to speak to an expert, so you know exactly what your premium covers in the event of unforeseen damage or theft. Don’t leave it to chance, speak to one of our friendly advisors today.
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Effortless
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Effortless
We used Property Link Homes whilst buying our first house for our mortgage, building and life insurance purchases. We couldn't thank or recommend them enough for all the work they did for us and how effortless the processes that they were involved in went.
Beyond helpful
We couldn't thanks Alison enough for her help and advice on getting our mortgage which turned out to be quite difficult and stressful. Alison was beyond helpful during a stressful time. Many thanks Jo
Faultless
I used Property Link Homes for my mortgage whilst buying my first home. As a first time buyer their service was faultless, they reassured me every step of the way and made the whole experience pleasurable rather than stressful.
Easy & Smooth
I recently completed on my re mortgage which was sourced for me by Property Link Homes. The team were all great in particular Alison, Jen & Vicky. Thank you so much for making the process very easy & smooth especially when I’ve been busy with my newborn baby.
Frequently Asked Questions
Buildings insurance is a requirement for any mortgage agreement, although you do not have to take out a policy with your mortgage provider. However, contents insurance for homeowners is not mandatory. Replacing all your possessions without it would be costly however, so we always recommend purchasing contents insurance for your peace of mind.
You’ll need to insure for what’s called the ‘rebuild cost,’ which is the amount of money you would need to completely rebuild your home from scratch should disaster strike. This isn’t the same as your home’s market value and can often be less. This is because the market value includes factors such as location, local amenities and supply and demand and not just the cost of the structural property.
This is entirely dependent on the value of your possessions. It’s worth going through your home and adding up the cost of your furniture and possessions. Remember to include carpets! If you need any help with how much contents cover to take out, get in touch, we can help.
If you live in a rented property, then it is your landlord’s responsibility to ensure they have the correct buildings insurance. However, contents insurance would be your responsibility as this covers your own possessions. Many insurers offer specific contents insurance for tenants. Contact us if you are unsure what you need.
In most standard home insurance policies, boiler breakdowns are not covered. Boiler cover or emergency repair may be an added extra offered by your insurer, or you can purchase it separately through an energy provider, gas engineer or different insurance company.
Just some of our lenders
Expert Advice
Established for 30 years, we are backed by the experience and understanding that helps our clients to make an informed decision on a range of great deals.
Lifestyle Protection
We want to help protect you and your loved ones should the unexpected happen. Our range of insurance options can give you peace of mind and financial safety, with broker exclusives not available through comparison sites or the high street if you buy through us.
Friendly Support
All our clients will have our team of dedicated advisors to help them through every step of the way, from the mortgage application to getting the keys to your new home. We want you to enjoy the excitement of moving and aim to make your experience as stress-free as possible.
Why choose Property Link Homes?
We know buying a house can feel overwhelming, but with our friendly and approachable advisors, we provide a stress-free process from start to finish, specifically tailored to your requirements.
With our wide range of personal and professional services, combined with our support and expert knowledge, we can help you find the mortgage deal or protection cover that is right for you.
Property Link Homes Ltd is Registered in England & Wales, Company Number 05234968. Registered Office address: 10-10A North Street, Ripon, North Yorkshire, HG4 1JY.
Authorised and regulated by the Financial Conduct Authority. Property Link Homes Ltd is entered on the Financial Services Register https://register.fca.org.uk under reference 429765.
The guidance and or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
If you wish to register a complaint, please write to [email protected] or telephone 01765 360061 A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at https://www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.
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