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Home Insurance for Mortgage Holders

Photo by Tierra Mallorca on Unsplash

Your home isn’t just where you live — it’s likely your biggest investment. Whether you’re a first-time buyer or a long-term homeowner, the right home insurance policy gives you peace of mind that your property and belongings are protected against the unexpected.

At Connect Mortgage Services, we help you find reliable, cost-effective home insurance that meets your lender’s requirements and fits your personal needs. We’ll guide you through the options, explain what’s essential, and make sure your cover is in place when it matters most.

Why Choose Connect for Home Insurance?

Tailored to Your Mortgage

Most lenders require buildings insurance as part of your mortgage agreement. We make sure your policy meets those conditions and properly protects the structure of your home.

Access to a Wide Range of Providers

As an independent broker, we compare policies across trusted UK insurers — helping you find the right balance of price, protection, and peace of mind.

Simple, Integrated Service

We can arrange your home insurance at the same time as your mortgage, so everything is set up and ready to go before completion. No last-minute stress, no overlooked details.

What Does Home Insurance Cover?

We usually recommend either buildings insurance, contents insurance, or a combined policy — depending on whether you own or rent the property, and what you need to protect.

Buildings Insurance

  • Covers the physical structure of your home: walls, roof, windows, and permanent fixtures
  • Typically required by mortgage lenders
  • Protects against fire, storm damage, flood, subsidence, vandalism, and more
  • May also cover garages, sheds, and other permanent outbuildings

Contents Insurance

  • Covers your belongings: furniture, clothing, electronics, jewellery, appliances, and more
  • Protects against theft, fire, accidental damage, and water damage
  • Optional, but strongly recommended — especially for homeowners and families

Combined Buildings & Contents Insurance

  • A single policy that covers both the property and your possessions
  • Convenient and often more cost-effective than separate policies
  • One renewal date, one premium, full protection

We’ll help you choose the right level of cover — including optional extras like accidental damage, home emergency cover, or legal protection.

What Our Clients Say

“Connect arranged my mortgage and my home insurance together — it made the whole process smooth and stress-free.”
 – Rachel, Google Review

“They helped me understand exactly what I needed (and what I didn’t) when it came to insuring my new home. Really clear advice and great value.”
 – Mike, Trustpilot

“Fast, friendly, and efficient — the team sorted my buildings and contents cover quickly and professionally.”
 – Louise, Google Review

Photo by Natalya Zaritskaya on Unsplash

Home Insurance FAQs

Do I need home insurance to get a mortgage?

Yes — most lenders require buildings insurance in place before completion. Contents insurance is optional but highly recommended.

What’s the difference between buildings and contents insurance?

Buildings insurance covers the physical structure of your home. Contents insurance covers the items inside your home that you’d take with you if you moved.

Can I change my home insurance provider?

Yes — you can review and switch providers each year. If you’re remortgaging, it’s a great time to reassess your cover.

How much cover do I need?

For buildings insurance, you should insure the full rebuild cost of your home (not its market value). For contents, we help you estimate the total value of everything you’d want to replace.

What if I rent out the property?

If you’re a landlord, you’ll need a specialist landlord insurance policy. We can help you find the right level of cover for your situation.