home insurance

Your home is a sacred place, and should anything happen to it, you need the right insurance policy in place to ensure you have the financial means to put it right. The Mortgage Mum searches a broad panel of insurers to find the product that gives you the appropriate level of cover for your home and contents at a price you can afford.

get started

To find the best home insurance, simply apply online today. You just have to answer a few questions on our form and submit the info to us, so we can start finding the right plan for you.

Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

apply for home
insurance online

home insurance application quick guide

we’ll collect your details

We bring together all the information you provide to start researching the most suitable home insurance quotes available.

we’ll get in touch

We’ll arrange a chat, either in person or over the phone, to get to know you and the kind of cover that suits your needs.

we’ll find the right quote

Our advisors search an exhaustive list of providers to find the best home insurance for you.

we’ll make your application

The Mortgage Mum removes any hassle by applying to your chosen provider on your behalf, ensuring no mistakes are made that could invalidate your plan later on.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

Do I need home insurance if I have a mortgage?

Unlike driving a car, you can legally own a home without homeowners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have home insurance coverage to protect your home in case of damage cause by unforeseen circumstances, such as fires or natural disasters.

Does homeowners insurance cover death of owner?

Though the estate would not automatically become the insured homeowner, a home insurance company, in practice, will generally pay the estate of the property owner named on the policy. One risk that the estate has, following the homeowner's death, is that the estate can be sued for injuries on the premises.

What will homeowners insurance pay for?

You may also be able to purchase additional coverages for greater protection. Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

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so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…