Dez-Rez Mortgages Ltd
01753 839051

Insurance Solutions

Buildings and Contents Insurance

For your property, your posessions, and your peace of mind …
Protect your home, belongings and financial investment with tailored buildings and contents insurance advice from experienced mortgage advisers. Buildings insurance provides cover for the structure of your property, including damage caused by events such as fire, flooding, storms and other unforeseen circumstances, while contents insurance protects the possessions inside your home. Whether you’re a first-time buyer, moving home, remortgaging or simply reviewing your existing cover, we’ll help you understand your options and arrange suitable home insurance protection to give you confidence and peace of mind.

Buildings Insurance

Buildings insurance protects the structure of your property against unexpected events such as fire, flooding, storms, subsidence and accidental damage. For homeowners and landlords, having the right buildings insurance in place provides essential protection for one of your biggest financial investments. We help you understand your cover options and arrange suitable insurance to protect your property, whether you’re buying a new home, remortgaging or reviewing your existing policy.

Contents Insurance

Contents insurance provides protection for the personal belongings inside your home, from furniture and electronics to valuables and everyday possessions. The right contents insurance policy can provide financial support if your belongings are damaged, lost or stolen, helping you replace the items that maƩer most. We offer guidance to help you choose suitable cover based on your lifestyle, property and individual circumstances, giving you greater peace of mind that your possessions are protected.

Landlords Insurance

Landlords insurance provides specialist protection designed for those renting out residential property. It can include cover for risks such as property damage, loss of rental income, liability claims and other unforeseen events that could affect your investment. Whether you’re an experienced landlord or taking your first step into buy-to-let, we can help you explore suitable landlords insurance options to protect your property and rental income.

Buildings Insurance

Buildings insurance protects the structure of your property against unexpected events such as fire, flooding, storms, subsidence and accidental damage. For homeowners and landlords, having the right buildings insurance in place provides essential protection for one of your biggest financial investments. We help you understand your cover options and arrange suitable insurance to protect your property, whether you’re buying a new home, remortgaging or reviewing your existing policy.

Contents Insurance

Contents insurance provides protection for the personal belongings inside your home, from furniture and electronics to valuables and everyday possessions. The right contents insurance policy can provide financial support if your belongings are damaged, lost or stolen, helping you replace the items that matter most. We offer guidance to help you choose suitable cover based on your lifestyle, property and individual circumstances, giving you greater peace of mind that your possessions are protected.

Landlords Insurance

Landlords insurance provides specialist protection designed for those renting out residential property. It can include cover for risks such as property damage, loss of rental income, liability claims and other unforeseen events that could affect your investment. Whether you’re an experienced landlord or taking your first step into buy-to-let, we can help you explore suitable landlords insurance options to protect your property and rental income.

Buildings, Contents & Landlords Insurance FAQs

What is buildings insurance and why do I need it?
Buildings insurance protects the physical structure of your property, including the walls, roof, floors, windows and permanent fixtures, against events such as fire, flooding, storms, subsidence and accidental damage. If you have a mortgage, your lender will usually require you to have adequate buildings insurance in place to protect their financial interest in the property.

Buildings insurance typically covers the cost of repairing or rebuilding your property following insured events such as fire, escape of water, storms, flooding, theft-related damage and subsidence.

Cover can vary between providers, so it is important to choose a policy that meets your property’s specific needs.

Buildings insurance covers the structure of your home and permanent fixtures, while contents insurance protects your personal belongings inside the property. Contents cover can include items such as furniture, electrical goods, clothing, jewellery and other possessions against risks such as theft, loss or accidental damage.

Yes. Buildings insurance does not cover your personal belongings inside the property. Contents insurance provides separate protection for your possessions and can help you replace or repair items if they are damaged, lost or stolen.
Most mortgage lenders require buildings insurance as a condition of the mortgage offer to protect the property against significant damage. Contents insurance is not usually a mortgage requirement, but it is strongly recommended to protect your personal belongings and financial wellbeing.
The level of buildings insurance cover should be based on the cost of rebuilding your property rather than its market value. Factors such as the size, construction type, location and features of your home can affect the amount of cover required.
Landlords insurance is specialist cover designed for property owners who rent out their property. It can provide protection against risks such as property damage, landlord liability claims, loss of rental income and other issues associated with owning a buy-to-let property.
Standard home insurance is generally not suitable for rental properties. If you are renting out a property, landlords insurance can provide specific protection designed around the risks faced by landlords, including tenant-related risks and rental income protection.
Some landlords insurance policies can include cover for loss of rental income if an insured event makes the property uninhabitable or prevents tenants from occupying the property. The level of cover depends on the policy selected.

Yes. We can help you review your insurance needs and explore suitable buildings insurance, contents insurance and landlords insurance options based on your circumstances. Whether you are buying your first home, moving property, remortgaging or growing a buy-to-let portfolio, we can help you find protection that gives you greater confidence and peace of mind.