Home Insurance

Tailored insurance to cover your home and its contents


Mortgage Enquiries


Mortgages Accepted

Are you willing to risk losing your home and possessions?

The answer for the vast majority of people is of course no, and insuring your home will protect it in the event of floods, fires, storms or theft but, more importantly, it will give you peace of mind knowing that all you own is safeguarded also.

The more possessions you acquire, the more likely you will want to have them insured – so it simply makes sense to protect what you have.

Why choose MortgageKey for Home Insurance

We offer experienced and trusted advice

Our vastly experienced team can save you from searching through hundreds of home insurance policies and ensure nothing is overlooked

We make it an easy and stress-free experience

We pride ourselves on taking away the stress and fear of financial planning and will talk you through each step in detail

Support is tailored to meet your needs

We know there’s not a solution that fits all circumstances, so our advisors tailor their services to best meet your specific needs

We make everything clear to understand

Legal-jargon free advice to ensure you feel comfortable and understand what everything means

Award-winning mortgage and loans experts – ready to help you today

Our team of specialists will guide you through the process of securing a mortgage, buying a home or taking out a loan – finding the very best deals for you and your family.

Mortgage & Loan Guides

Read our experts’ latest advice on a wide range of mortgage options to the tax implications of buying properties to let.

Find out more


Making mortgages and loans simpler to understand is our key skill, and our infographics do just that!

Find out more

Hear from our Clients

Don’t just take our word for it, hear from our happy clients who we have helped through the mortgages and loans process.

Find out more

Home Insurance - Your Questions Answered

Home insurance is usually a combination of buildings insurance and contents insurance. You can take these policies out separately, but it’s often easier to just take out a home insurance policy which includes both.

Building insurance should cover the cost of your home to be re-built from the ground up (not the sale or market value). Contents insurance covers your possessions.

Why should you take out Home Insurance?

The idea behind home insurance is to protect your property and your assets from any freak incidents or unlucky events. If you choose not to insure your home and its contents, you are arguable doing it at your own risk. The majority of people’s homes contain their entire life, and although some things are irreplaceable, having insurance to protect expensive items and any damages, may help you sleep easier. Whilst home insurance can’t prevent unfortunate incidents, it can enable you to repair the damage done by such events.

When should you take out a Home Insurance policy?

Whenever you purchase a property, most mortgage providers will require you to have an adequate form of buildings insurance. It’s worth checking such policies to check if it has the type of cover you require. You may not require contents insurance right away, but it is recommended that the sooner the better with any home insurance policy, so that you’re covered should anything happen.

How does Home Insurance work?

It’s recommended to review the rebuild cost every so often, to make sure the figures are up-to-date. This is important so that your payout reflects the cost of an entire rebuild.

With regards to your contents, the best way to determine a value of your assets is to root through each and every room and make an inventory of your possessions and their costs, including furnishings such as carpets etc. This inventory should also include any other buildings such as outhouses, sheds or garages. This way you will have documented everything you need to, should you come to lose it all.

On the buildings insurance side of things, policies vary, however, it’s not often that insurers will pay out for general wear and tear. If your home is at risk of flooding, you mind find it difficult to secure home insurance without paying a premium for flood insurance on top.

Which type of Home Insurance policy should you choose?

Whether your home is a one-bedroomed flat or a 10-bedroomed mansion, your home is your castle. That’s why it’s important to get the right cover in place should something go wrong. Your home will no doubt contain some of your most prized and valuable possessions. Therefore, you’ll want to protect those too. So, we’d suggest home insurance which covers both building and contents. Our experienced home insurance experts can source the right deal for you and your property.

What our clients are saying

  • Zoe and Sally were both really professional but friendly. They are a credit to your company.
    Iain Pay
  • World class service from Day 1 to completion. Highly recommended. In particular the service from Georgia Hardcastle and Olivia Russell was fantastic -...
    Paul Hennessy
  • Great service from start to finish and good terms too. Hoping the solicitors are as good now completing the process.
    Paul H
  • Great team did everything spotlessly and didn’t have to be chased up
    Dale Sutherland
  • Excellent service and trusted help So efficient
    Mrs Diane Brown
  • Very efficient service from start to finish. Communication was exceptional and was always informed and guided every step of the way
    Michael Newbery
  • 5 Star Service
    John Kleinman
  • They have been so helpful every step of the way they have always been quick to rely to every email I’ve sent them. And help me get a decision in pri...
    Mr Terry Mcdonald
  • Quick and efficient service.
    Nic Phipps
  • Very helpful assistant. Straight swap and terms I was looking for, saved a few quid a month
    Bob hope
  • Great fast and friendly service
  • I have been dealing with Georgia Hardcastle at Mortgage Key, she is so helpful and have explained everything to me. I am a first time buyer and I was ...
    Pedro Amaral
  • Extremely professional service and courteous staff.
    Mr. Michael Rundle-Brown
  • Mortgagekey are an excellent mortgage broker service. Secured a mortgage with a high street lender within 4 weeks from DIP to full offer. Our case was...
  • Brilliant service, can’t fault
    Aimi Buchanan
  • My broker Rory was able to get me a mortgage where others had failed.A credit to the company.
    John Wilkinson
  • We recently used Mortgage Key. Everything was straight forward and done quickly, from the initial quote to receiving the mortgage offer we were kept...
  • A really good service, Quick and efficient, no stress at all. Knowledgeable staff, who were a pleasure to deal with. I would recommend them and defini...
    philippa Wall
  • Very professional and friendly approach. They managed to find a mortgage which matched all our requirements. Great service! Thanks a lot!
  • Great service from the beginning of the process.
    Bruno Cabral

Trusted by our clients

Ready to talk? Speak to an expert today: 0800 077 8980