Your home is your refuge, a place where safety and security are of utmost importance, but have you considered how to protect it during uncertain times?

Mortgage lenders require insurance on freehold properties. Could you afford to repair or replace your home in case of significant damage? Policies typically cover: 

• Damage to the home's structure 

• Damage to garages and outbuildings 

• Costs of alternative accommodation (including loss of rent) 

• Replacement locks and keys 

• Cover for matching items 

• Liability protection for injuries or property damage

Contents insurance protects your belongings in the home, and sometimes away from it. 

• Covers loss or damage to your possessions 

• Protects items in your garden, outbuildings, and garden furniture 

• Covers the cost of replacing undamaged items in a set, such as curtains or dining chairs 

• Replaces spoiled food if your freezer breaks down or you accidentally turn off the power 

• New-for-old replacements

After a severe illness like a heart attack, would you prefer rushing back to work or taking time to recuperate fully? And if your child fell seriously ill, how would you manage hospital stays and income needs? Critical Illness Cover is not just for you but also extends to your children. 

• Supports you and your family 

• Pays a tax-free lump sum upon diagnosis of a critical illness 

• Includes children's cover 

• The tax-free lump sum can help reduce or clear your mortgage 

• Option to upgrade to cover additional conditions at an extra cost

In the worst-case scenario, you would want your loved ones to remain in the family home, even in your absence. Life cover ensures this possibility and covers various expenses: 

• Protects you and your family 

• Pays a tax-free lump sum upon death 

• The tax-free lump sum can help pay off or reduce your mortgage or other debts 

• Can be combined with critical illness cover

• Making a will can ensure the funds go to the intended recipients

Securing a mortgage requires a stable income, but what happens if illness or injury disrupts your ability to work? Income Protection offers a substitute income, ensuring you can meet your mortgage payments and daily expenses. Income protection:

• Provides security for you and your family 

• Pays a monthly tax-free income after an agreed waiting period 

• Payments continue until you return to work, the term ends, your coverage expires, or in the event of your death

• Helps cover your mortgage and other monthly commitments 

• Can supplement your earnings if you return to work part-time or in a lower-earning role

Read our insurance guide here