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Hello, I’m

Hello, I’m​ David Thompson (CeMAP, CeRER)
Mortgage Adviser
Your Trusted Partner for Mortgages and Financial Solutions
Welcome! I’m here to guide you through mortgages, remortgages, debt consolidation, and personal and business protection. With years of experience, I provide tailored advice and solutions to meet your unique needs.
Why Work with Me?
  • 1. Wide Range of Lenders: I have access to numerous lenders to find the best deals for you.
  • 2. Expert Advice: Benefit from my knowledge and experience to make informed decisions.
  • 3. Save Time and Money: I’ll handle the hard work, ensuring you get the best financial solutions efficiently.
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Understanding the Importance of Building and Contents Insurance for Mortgages

Building and contents insurance is crucial when you have a mortgage. It protects your home and belongings against damage, theft, and other unforeseen events. Here’s why it’s important and the top 8 questions people ask when arranging this insurance.

Why Building and Contents Insurance is Important

1. Mortgage Requirement: Most lenders require you to have building insurance as a condition of your mortgage. This ensures the property is protected, safeguarding their investment.

2. Financial Protection: It covers the cost of repairing or rebuilding your home if it’s damaged by fire, flood, or other disasters. Contents insurance covers your personal belongings, protecting you from financial loss due to theft or damage.

3. Peace of Mind: Knowing that your home and possessions are protected gives you peace of mind. If something unexpected happens, you won’t be left with a huge financial burden.

Top 8 Questions About Buildings and Contents Insurance

Building insurance covers the structure of your home, including walls, roof, and floors. It also covers permanent fixtures like kitchens and bathrooms against damage from fire, floods, and other disasters.
Contents insurance covers your personal belongings inside your home. This includes furniture, electronics, clothing, and valuables against theft, fire, and other types of damage.
Yes, most mortgage lenders require you to have building insurance as a condition of the loan. It ensures that the property, which is the lender’s collateral, is protected.
While building insurance is usually the landlord’s responsibility, contents insurance is important for renters to protect their personal belongings from theft or damage.
You should insure your home for the amount it would cost to rebuild it from scratch, not its market value. This is known as the reinstatement value and includes the cost of materials and labor.
Building insurance typically covers damage from fire, storms, floods, and vandalism. It may also cover the cost of alternative accommodation if your home becomes uninhabitable due to an insured event.
Contents insurance covers theft, fire, flood, and accidental damage to your personal belongings. Some policies also cover items when they are outside your home, such as mobile phones or laptops.

Yes, many insurers offer combined building and contents insurance policies. This can be more convenient and sometimes cheaper than buying separate policies.

Building and contents insurance is essential for protecting your home and personal belongings. It’s a requirement for most mortgages and offers financial security and peace of mind. If you have any questions or need help finding the right cover, feel free to reach out for expert advice and tailored solutions.

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  • Apt 11, Woodbrook House, 46, New House Farm Drive, Northfield, Birmingham 831 2GP
  • Birmingham – 0121 453 4244
    Loughborough – 01509 457458
    Mobile – 07930 895118
  • david@templar-mortgages.co.uk

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Not all Buy to Let mortgages are regulated by the Financial Conduct Authority.

Think carefully before securing other debts against your home.

As with all insurance policies, conditions and exclusions will apply.

Templar Mortgages and Protection is registered in England & Wales under number 15371139. Registered address is – 11, Wood Brook House, 46, New House Farm Drive, Northfield, Birmingham, B31 2GP.

Templar Mortgages and Protection is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.

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