Buildings insurance covers the structure, fixtures and fittings of your home, e.g. roof, walls, ceilings, floors, doors and windows, fitted kitchens, built-in cupboards and bathroom suites.
Most buildings insurance policies will also cover certain outdoor structures such as sheds, garages and greenhouses. Fences, gates, boundary walls and damage to mains supply pipes may not be covered, so it’s important to read your policy’s small print carefully to see exactly what is included.
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A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.