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      • Home Insurance
        Essex Home Finance
      • Insured against Floods?
        Essex Home Finance
      • Accidental Damaged - Get it Covered
        Essex Home Finance
      • Home Insurance
        Essex Home Finance
      • Insured against Floods?
        Essex Home Finance
      • Accidental Damaged - Get it Covered
        Essex Home Finance

      Home Insurance

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      • UK General
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      If you are looking for a Home Insurance Broker to help with your Home Insurance needs, then speak to us at Essex Home Finance. Not only can we help you arrange your Mortgage Finance, we can certainly help you with your Insurance!

      We have looked across the many potential options in the Home Insurance and we have teamed up with Paymentshield to provide our clients a very Comprehensive Buildings and Contents Policy option. Rather than having hundreds of different products that are difficult to understand and compare, Paymentshield have taken the best elements of cover from a wide range of quality UK Insurance Policies, and designed a 5* Defaqto Home Insurance product - giving our clients the 'Peace of Mind' you expect from a Comprehensive Policy, protecting your home from those unexpected events.

      Our range of UK Insurers who underwrite our Paymentshield Policy include : Royal Sun Alliance, Modus, UK General, Zurich, Towergate, Axa, Allianz and Legal and General.

      Buildings Cover – The Essentials

      Automatic £500,000 buildings cover as standard, can be increased if required.
      Annual or monthly premiums
      Up to £5,000 cover for tracing and accessing water or oil leaks from pipes, tanks and fixed heating systems
      12 month guarantee on all repairs carried out by approved tradesman
      24 Hour Helpline for emergency assistance
      Subsidence cover
      Alternative accommodation cover
      Replace Lost or Stolen Keys
      Trace and Access - Leaking Pipes, Tanks or Heating Systems

      Contents Cover – The Essentials

      Automatic £50,000 contents cover as standard, cam be increased if required
      Annual or monthly premiums
      Student Belongings up to £5,000
      Electronic Downloads up to £2,000
      Cover for Business Equipment if you or the family work from home
      Up to £3,000 of Cover for Theft of Contents from your Outbuildings
      Up to £15,000 to cover valuables such as jewellery, computer equipment and money
      Pedal Cycles up to £500
      Freezer cover for all food in the freezer
      Visitor Belongings – Having some one round to visit? – Their possessions are covered too! Up to £1,000.

      The above terms are for a standard policy. Through having a standard policy we have been able to secure lower premiums for our clients. Where the standard policy does not fit a clients needs we can offer bespoke terms.

      Policy extras include;

      Accidental Damage Cover protects both your Buildings and Contents against Accidents that can occur all too frequently at home, such as knocking a glass of red wine onto Carpet, spilling a pot of paint or drilling through a water pipe whilst doing DIY. Most of our quotes would include this benefit given the high number of claims made under this benefit

      Personal Possessions which covers clothing, baggage and personal items carried around by a client. The items are covered against loss or accidental damage inside or outside of your home. If you had your camera stolen whilst on Holiday, then you could claim on the home insurance policy under personal possessions, there would be a standard excess of £100. Another example might be if you accidentally dropped your iPhone whilst in the street, then the policy would cover a replacement (old for new) under the personal possessions property insurance.

      Legal Expenses Cover – To pursue or defend your rights including employment disputes, injury claims to your person or contract disputes with the sale and purchase of a service or product.

      Home Emergency Cover - Provides 'Round the Clock' assistance to arrange for an approved tradesman to visit your home and carry out up to £500 of repairs should ou experience a Home Emergency - such as Damage to your Property or a problem with your Central Heating or Water Supply which leaves your home unsafe or inhabitable

      Speak to us at Essex Home Finance about more of the things you can protect with our comprehensive Residential Home Insurance.

      Landlord Insurance

      • AXA
      • Towergate
      • RSA Royal Sun Alliance
      • Legal aand General
      • Modus

      The Buildings (and Contents) Landlord Policy we provideis excellent value for money. As landlords ourselves we know that you need a policy that is reliable and where you have someone on hand 24/7. The policy can be tailored to suit your needs.

      Landlords Buy to let Insurance – The Essentials

      • £500,000 buildings insurance cover as standard & £10,000 contents for unfurnished property or £40,000 if furnished
        15% of building sum insured to cover loss of rent or alternative accommodation for your tenants
        Cover for up to 90 days between tenancies – Great if you are refurbishing a property
        Cover for all types of tenants – Students, HMO’s and DSS
        £2,500 for tracing and accessing water or oil leaks from pipes, radiators and tanks
        Up to 10 properties on our standard policy
        24 Hour helpline
        £1,000 locks replacement

      The Process

      We would normally suggest you wait until you have a Mortgage Offer from your new Mortgage lender, so we can check for any individual requirements from the lender about your policy and cover. We will provide a tailored quote based on your individual needs, normally within 24 hours.

      If you then wish to proceed we need just a few questions answered by email or via the telephone and your cover can normally be in place and ready to start from Exchange of Contracts - a copy of the Cover Note can be provided to your solicitors.

      Paymentshield will then send your policy document and will review your cover and premium on a regular (Annual) basis. From the range of insurers that we use, they will look to find the best renewal prices for you.

      And if you need to make a claim, or change the level of cover, Paymentshield are only a call away,

      Let us know if you have found this information useful!

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      Essex Home Finance Ltd is an Appointed Representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance and consumer credit mediation activities only.

      Registered address: 1 High Street, Chelmsford, Essex, CM1 1BE. Registered in England & Wales under number 10607263.

      Your home may be repossessed if you do not keep up repayments on your mortgage.

      *From the 1st March 2018, there are No Broker Fees for Residential First Time Buyers, Residential Home Movers, Residential Remortgage, and all Product Transfers (Residential or Buy to Let). There will be a fee for all Buy to Let Purchase and Buy to Let Remortgage cases. Typically our fee will be £149, payable on Offer. We will agree any fees with you before we proceed with your case.

      There will be a fee for all Equity Release Mortgage cases. Typically our fee will be £695, payable on Offer. We will agree any fees with you before we proceed with your case.

      We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. 

      Our advice is covered under the Financial Ombudsman Service.  You may be able to submit a claim through the  EU Online Dispute Resolution Platform If you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.

      Association of Mortgage Intermediaires

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