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Buildings Insurance

Structurally, your home may feel sturdy, solid and secure. That’s the beauty of bricks and double-glazing – you can shut out the world. Yet, even the most robust property is vulnerable to extreme weather, flooding, freak accidents or malicious damage.

What does buildings insurance do?
Buildings insurance covers the structure of your home, plus fixtures and fittings, such as fitted kitchens and bathrooms. When specific incidents occur, your insurer will pay out up to the maximum sum you’re insured for. Some insurance policies will also cover outbuildings, including garages and greenhouses.

It is important that your property sum insured is enough to pay for a full re-build. Although these costs are influenced by market value prices, the real cost may be less or more. Insurers will take into account the:

Rising costs of labour
Costs of specialist materials on your property, including bricks, stone and tiles
Costs of removing debris and preparing the site ready for repair

Insurance providers do make minor adjustments to sums insured year-on-year to mirror inflation rises.

What situations are covered?
It’s natural to be influenced by price. But when selecting your insurance policy, get clued up on what situations you are covered for, or your insurance could end-up being a false economy. You can source protection for most building risks, including:

Damage caused by fire, explosion, lightning and earthquake
Damage caused by falling trees (from your own and neighbouring properties)
Storm and flood damage (usually excluding gates, fences or railings)
Impact from vehicles, animals, aircraft and items dropped from them 
Cover for subsidence and/or heave of the land on which your building stands; or landslip
Water damage caused by burst pipes and tank leaks
Accidental damage to service pipes and cables
Riot, civil commotion, malicious damage, vandalism and theft
Oil leakage
Damage to glass and sanitary fixtures

Optional add-ons, like legal support are also often available.

We usually offer Home Insurance by giving details of your requirements to a specialist home insurance broker, Berkeley Alexander, who will contact you separately to discuss your requirements

Mortgage Brokers In Harrow
Contact Annis Financial
Contact Annis Financial
Do you require expert mortgage advice?
Call us today on 020 8861 0719 
Email. annisfinancial@aol.com
We are always happy to help and assist you... 

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For residential mortgages we typically charge a fee of £395, the fee will be agreed with you before we commence any work

For Buy to Let mortgages we typically charge a fee of £495. For commercial mortgages we typically charge a fee of 0.5% to 1% of the mortgage and this will be confirmed to you at the outset, for example on a mortgage of £100,000 a 0.5% fee equates to £500 and a 1% fee equates to £1,000

The Financial Conduct Authority does not regulate conveyancing and some aspects of buy to let mortgages.

Annis Financial Management Ltd is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No. 300242 at *www.fsa.gov.uk/register/home.do
Annis Financial Management Ltd is a credit broker and not a lender

Annis Financial Management Ltd registered in England & Wales No. 5018735. registered address 116 Elm Drive, Harrow, HA2 7BZ The Guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Where you have a complaint or dispute with us and we are unable to resolve it to your satisfaction then you may have access to the Financial Ombudsman Service. Please see the following  link for further details *http://financial-ombudsman.org.uk

*You are leaving the web site of Mortgage Advisers in Harrow and about to view the content of an external website, Annis Financial Management cannot be held responsible for the content of external web sites.

Call us today on 020 8861 0719
Email. annisfinancial@aol.com

Annis Financial Management Ltd
116 Elm Drive Harrow, London HA2 7BZ
Phone: 020 8861 0719
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