Top Mortgage Solutions
Reviews and Ratings for Financial adviser Simon Rushbrooke, Southampton

Buildings & Contents

Buildings insurance usually covers the structure of your home and any fixtures or fittings
buildings and contents

Buildings insurance usually covers the structure of your home and any fixtures or fittings, garages, drives, fences, walls, out-buildings, swimming pools and tennis courts

Insurance cover includes the cost to repair or rebuild your home if it is damaged to a set rebuild cost although some insurance companies have an unlimited level of cover . Standard cover is new for old and applies to specified perils. i.e. fire, lightning, earthquake, storm, flood, burst and leaking pipes, theft, vandalism, collision by vehicles, aircraft and animals, falling trees, subsidence, heave or landslip.

Cover can be on either a standard basis or an accidental damage basis

What is contents insurance

Contents insurance is cover for your household contents, i.e. furniture, carpets, curtains, television, , kitchen equipment, ornaments, personal possessions, clothing, computers, etc. It is the total value of everything that is in your home that you would take with you if you were to move. The contents value does not include items included in building insurance e.g. fitted wardrobes and fitted kitchens. A contents value of £20,000 is the minimum amount for most household contents insurance policies and is insufficient for most people. A likely average is £40-50,000.

With most contents insurance there is the ability to insure your personal possessions away form the home. This optional cover allows you to insure your personal items normally worn or carried outside the home, e.g. watches, jewellery, cameras, anywhere in the world for up to 60 days a year.

Contents cover can be on either a standard basis or an accidental damage basis.

Mortgage Advice

Z Access to exclusive mortgage interest rates

Z Access to more than just High Street lenders

Z Self-Employed products available

Z Bad Credit considered

Z Solutions for Buy to Let or Let to Buy

Z Access to Secured Loans

Z Access to Bridging finance

Z Access to Commercial Mortgages

We always aim to provide a high quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (www.http://www.financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.)”