Protecting Your Home
Protect Your Property and Belongings
Your property is a significant investment, and the belongings inside it help make it your home. Suitable insurance can provide financial protection against unexpected damage or loss, subject to the cover you choose.
- Homeowners, landlords & investors
- Buildings & contents options
- Clear policy explanations
Cover shaped around your property
How we help
Insurance advice for the way you use your property
At Asghar Finance House, we help homeowners, landlords and property investors explore insurance suited to their circumstances.
Whether you are purchasing a property, renewing an existing policy or reviewing your protection, we take the time to understand your needs and explain the options available.
Cover types
Buildings and contents, explained clearly
These are the two core forms of property insurance most homeowners and landlords consider. Understanding the difference helps you choose cover that matches what you need to protect.
01
Buildings Insurance
Buildings insurance covers the structure of your property, including permanent fixtures such as fitted kitchens and bathrooms, against events specified in the policy. These may include fire, storm damage, flooding and escape of water.
The amount insured should reflect the cost of rebuilding the property, rather than its purchase price or market value. This may include demolition, site clearance and professional fees. Having an appropriate level of cover helps reduce the risk of being underinsured.
If you own a leasehold property, buildings insurance may already be arranged by the freeholder or management company. It is important to understand what that policy covers and whether you need separate protection for your belongings or improvements.
02
Contents Insurance
Contents insurance protects household possessions such as furniture, clothing and electrical items against insured events.
When choosing your cover, consider what it would cost to replace your belongings. Valuable items may need to be listed individually, and possessions taken outside the home may require additional cover. Accidental damage cover may also be available, depending on the policy.
We help you understand these options so you can choose protection that reflects your household and budget.
Who we help
Insurance for Different Property Needs
Different properties require different insurance arrangements. The availability and scope of cover depend on the insurer, property details and policy terms.
Residential properties
Buildings and contents insurance for your own home.
Landlord properties
Cover designed for rented accommodation, with options that may include property owners’ liability and loss of rent following an insured event.
Property portfolios
Insurance options for landlords with multiple properties.
Commercial properties
Cover reflecting the building’s business use and occupancy.
Houses in Multiple Occupation
Insurance suited to properties shared by multiple households.
Holiday lets
Cover that takes account of short-term letting and periods when the property is unoccupied.
Tell us about the property and how it is used, and we can discuss which type of cover may be suitable.
Specialist situations
Properties with Flood or Subsidence History
A history of flooding or subsidence can affect the insurance options available. Properties with unusual construction or other non-standard features may also require specialist consideration.
Tell us about any previous damage, claims or remedial work so the circumstances can be assessed accurately. Supporting documents, such as survey reports or evidence of completed repairs, may be requested.
Cover remains subject to the insurer’s assessment and acceptance.
Before you decide
Look Beyond the Premium
Price matters, but it is equally important to understand what your policy covers. Excesses, exclusions, claim limits and conditions can make a significant difference when you need to claim.
We help you consider these details alongside the premium. You should also tell your insurer about changes to the property or its use, including letting it out, leaving it unoccupied or undertaking substantial building work.
01
Understand the excesses
Check what you would pay towards a claim and whether different excesses apply to certain events.
02
Review exclusions & limits
Exclusions, claim limits and conditions can change what is covered when you need to make a claim.
03
Keep details up to date
Tell your insurer about changes such as letting the property, leaving it unoccupied or carrying out substantial building work.
Next step
Discuss Your Property Insurance
Whether you need cover for your home, a rental property or a wider portfolio, contact Asghar Finance House to discuss your requirements.
Insurance is subject to underwriting, policy terms, conditions, limits and exclusions. Claims are assessed in accordance with the policy wording.