Home Insurance provides financial protection against damage to your property and its contents. At Strong Mortgage Solutions, we help homeowners in Bristol, Bath, and nearby areas find suitable cover to protect their homes, belongings, and peace of mind.
Home Insurance is typically split into two parts:
Buildings Insurance covers the structure of your home – including the roof, walls, floors, windows, permanent fixtures like bathrooms and kitchens, and outbuildings such as garages or sheds.
It protects you from damage caused by:
If you’re buying a home with a mortgage, your lender will usually require you to have Buildings Insurance in place from the day you exchange contracts.
Contents Insurance protects the items inside your home, such as furniture, electronics, clothing, appliances, and valuables. It covers damage or loss due to:
Whether you’re a homeowner or tenant, Contents Insurance can provide peace of mind knowing your personal belongings are protected.
If you own your property, Buildings Insurance is essential to protect the structure of your home and meet your mortgage lender’s requirements. Contents cover is highly recommended to protect your personal items.
Home Insurance should be in place before exchange of contracts. We can guide you through the process and ensure you have the right protection set up alongside your mortgage.
While Buildings Insurance is usually the landlord’s responsibility, Contents Insurance is your responsibility. It ensures your belongings are protected, even if you don’t own the building.
Many people choose to combine both types of cover into a single policy for simplicity and cost-effectiveness. Combined Home Insurance gives you protection for your property and possessions in one place.
We can help you decide if a combined policy is suitable or if it’s better to arrange separate cover depending on your needs.
If you own your home, both types of cover are recommended. Renters usually only need contents insurance.
As soon as your solicitor confirms exchange of contracts – this ensures you’re protected from day one.
Buildings Insurance covers the property structure; Contents Insurance covers your belongings.
Some policies include it as standard; others offer it as an optional add-on.
Contact Us Today if you have more questions or need expert guidance.
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We offer personalised insurance advice in:
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Home Insurance provides essential peace of mind. Whether you're buying a new home, remortgaging, or reviewing your current policy, we’ll help you secure the right protection.
We understand that from time to time our clients may find themselves dealing with circumstances that could mean they are potentially vulnerable. For example, a change in health, caring for a family member, or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us
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