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Home Insurance

WHY SHOULD I BUY HOME INSURANCE?

HMZ Insurance offers you the peace of mind that your home and belongings are protected should the worst happen.

Over a fifth of households within the US, like five million homes, haven’t any insurance protections in situ , consistent with charity Shelter.

And, although it’s not a legal requirement to possess home insurance, most mortgage lenders will insist you’ve got buildings cover in situ if you’re a home-owner .

What’s more, should the nastiest happen, and damage does occur either to your home or your possessions, then the to insure your home for a year can pale as compared to the hundreds, potentially thousands, of pounds that not having cover could cost you.

 

WHAT SORTS OF HOME INSURANCE ARE AVAILABLE?

Landlord insurance

Also referred to as buy-to-let insurance, landlord insurance usually covers the foremost common risks related to renting out a property. you’ll also want to seem at popular landlord insurance add-ons too, like loss of rent cover, compensation claims cover and accidental damage cover.

Listed buildings insurance

The rebuild cost of some ‘non-standard’ homes, like listed buildings, are often considerably above it’s for other properties. Specialist listed building insurance can make sure you have the proper cover in situ .

Student insurance

Student contents insurance offers protection for items like books, clothes, and jewelry against loss, damage, or theft. High-risk items like laptops and bikes are often covered as extra add-ons too.

Guesthouse insurance

Guesthouse insurance typically offers protection for both buildings and contents. It also offers the choice to guard against legal claims, income loss, and any accidents.