
Home Protection
At the NEST, we understand how important it is that your property and belongings are protected should an emergency occur. Therefore, we provide a comprehensive service of providing buildings and contents insurance to homeowners and landlords.
If your home is damaged or destroyed, the personal cost to you can prove extremely damaging, which makes it difficult to ensure that your mortgage payments, or other important financial monthly outlays are met. Equally, if you are the victim of theft, then contents insurance allows you protect your possessions.
Depending on your situation, you may not need both building insurance and contents insurance – we can work with you to figure out the most suitable policies for your needs.
Buildings insurance will cover your home from such things as fire, flood and subsidence. Most lenders will insist that you take out and maintain buildings insurance to protect your property.
Contents Insurance protects your possessions against loss or damage caused by incidents such as fire, water and oil leaks, theft, vandalism, impact, storms and flooding, subsidence, heave and landslip.
Lenders will always have their own policy rules, but contents insurance will generally cover:
- Electrical goods, such as computers, TVs, DVD players and stereo equipment
- Furniture, such as glass tables, sofas
- Clothing or bags, that have been stolen
Some policies may even extend the cover to the contents of your garden shed. Contents insurance can also cover your personal possessions or furniture if you are the tenant in a rented property, or if you are on a trip abroad.
We are dealing with the insurances and mortgages markets every day and know exactly when new products or new incentives become available. All this, balanced with our years’ knowledge and experience as qualified advisers, means we are in a strong position to find you the right option to suit your needs.
You need to remember, for insurance purposes, the policies for building and contents will cover the replacement value, not always the market value. This means you may need to research the cost of rebuilding your house, rather than what you would get for it, if you sold it. Conversely, for contents, you should find out what the costs of replacements would be for all your possessions – it may work out to be more than you think when you add it all up!
To check your rebuild cost for free, you can go to Association of British Insurers (ABI) Public Rebuild Calculator of the Building Cost Information Service (BCIS) of the Royal Institution of Chartered Surveyors (RICS) https://abi.bcis.co.uk/.
NEST is fully committed to providing a professional service and the most suitable insurance options to all applicants, who come through to us. We make an effort to get to know you and understand your needs, worries and plans. With our remote service, we are perfectly equipped to work out the right protection to suit your mortgage, your possessions, and your situation, wherever you are based in UK.

Disclaimer
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
NEST Mortgage and Financial Solutions fees are payable on application. Our typical broker fee is £495, however this may be subject to a change, dependent on your status and circumstances.