MOVA / Home Insurance
Home insurance.
Clarity about your cover.
Buying, moving or reviewing a renewal? Start with the difference between buildings and contents, then discuss the details that affect the cover you need.
Initial conversation at no cost · No pressure to proceed
Start with what matters to you.
You do not need to choose a product before getting in touch. Bring your plans and your questions; Steven will help you understand the next step.
Three things to clarify
Understand buildings and contents cover.
Buildings
The structure and permanent parts of the property, subject to policy terms.
Contents
The belongings in your home, with limits and exclusions to check.
The right timing
Coordinate cover with your legal obligations and the mortgage conditions.
The building and your belongings are different risks.
Buildings and contents insurance cover different things. A policy’s exclusions, excesses and limits matter as much as its headline label. Think about accidental damage, valuable items and any unusual features of the property before deciding what to discuss.
Buying a home? Check when cover must begin.
Mortgage lenders normally require suitable buildings insurance. Your conveyancer should explain when you become responsible for insuring the property under your contract. Do not assume that collecting the keys is always the correct starting point. With leasehold property, check what the freeholder’s or management company’s policy actually covers.
Tell the insurer about the property as it is used.
Occupancy, letting, building works, long unoccupied periods or business use can affect the policy. Answer the insurer’s questions accurately and tell it about relevant changes. A property’s market price is not the same as its rebuilding cost; use an appropriate basis for the cover requested.
Your questions, answered
Clearer on the detail.
Ready for the next step.
Have a question that is specific to you?
Does buildings insurance cover my belongings?
Buildings and contents are different types of cover. Check whether your policy includes both.
Will my lender arrange the cover automatically?
Do not assume so. Check your mortgage conditions and the arrangements you need to make.
Can I ask about a renewal?
Yes. Bring the current policy schedule, renewal information and any changes to your home or circumstances.
A practical next step
Talk through your plans
with Steven.
An initial conversation can help you understand where to start and what information may be needed next.
Cover is subject to eligibility, underwriting, policy terms, definitions and exclusions. Do not cancel existing cover until any replacement has been accepted and is in force. Any relevant costs will be explained before you choose to proceed.