If you own your own home, you’ll need to have buildings cover just in case your home is damaged and needs a repair. It’s usually a condition of your mortgage and, if you’re a landlord, it’s your responsibility – not your tenants.

Although it’s not compulsory, if you own your own home this sort of insurance should be a top priority.

Home Insurance is a broad term that covers two distinct types:

  • Buildings Insurance – protects the permanent structures of your home, such as kitchens, bathrooms, and other fixtures.
  • Contents Insurance – covers the belongings inside your home, including furniture, electronics, personal items, and certain types of flooring like carpets.

You can choose to purchase each type separately, or often combine them into a single joint policy with one insurance provider for convenience and peace of mind.

We can search through a range of policies to find the one that suits you best from our extensive list of insurers.

Steve Palmer was a wonderful mortgage advisor, especially as a first-time-buyer. He was always ready and available to answer any questions I had and was extremely quick at progressing things. I got my mortgage offer in a matter of days of contacting him. Cannot recommend enough!

Alicia LM

A massive thank you to Nathan at Elite Mortgages! Nathan helped us secure a re-mortgage and also a mortgage on our new home. From start to finish he was responsive, professional and as first time buyers he was absolutely brilliant, put our minds at ease and answered any queries we had promptly and clearly. I would definitely recommend, thanks again!

Will Lewis

We have used Anthony at Elite Independent Mortgages for our first mortgage in 2020, and our re mortgage in 2023. As 2 young women, and first time buyers it has been such a relief to have Anthony’s help every step of the way. He has always endeavoured to explain things clearly and kept in touch over any questions and concerns, understanding the stress and confusion mortgages can cause. We feel so safe in his hands and will definitely continue to use in the future and would recommend to anyone.

B Lydia

I’ve had the pleasure of working with Martyn and the team for the past few weeks and their superior knowledge and guidance has been crucial to securing a mortgage for our new business premises. I can’t recommend these guys highly enough.

Anthony Phelps

Frequently Asked Questions

Image

Contact Us Today! We're happy to help you with all your property needs.

We arrange home, contents, landlord, and health insurance to protect what matters most.

Yes. Lenders typically require buildings insurance, though contents insurance is optional but strongly advised.

Yes. You can bundle home and contents insurance or add extra coverage to save money and simplify renewals.

It generally covers property damage, liability, and loss of rent — essential for anyone renting out their property.

Review annually or when your property or circumstances change — such as renovations or new valuables.

Yes. As independent advisers, we compare multiple insurers to find the most cost-effective and suitable cover.

Yes. We help you through the claim process and liaise with insurers to make it as smooth as possible.

Our clients choose to trust us over the competition because of the way we conduct our business.

A team of qualified financial mortgage advisers backed up by a dedicated team of support staff.

We’re independent, we work for our clients’ interests, not those of a bank or insurance company.

We continue to monitor the marketplace and will keep you updated on opportunities.

We provide access to your own Client Portal for secure messages and document uploads.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Elite Independent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority, which oversees all financial business in the UK. You can find us on their website www.fca.org.uk. Our registration number is 301502. Our registered address is 3 Hannah Street, Porth, Rhondda Cynon Taf, CF39 9PU.