Buildings insurance protects the physical structure of your home and any permanent fixtures. A comprehensive policy will usually cover:
In most cases, your policy should cover the full cost of rebuilding your home, not its market value. This is a key difference and something we’ll explain clearly when helping you choose a policy.
If you’re buying a leasehold property, buildings insurance may already be included in your service charge. For freehold homes, arranging your own policy will likely be your responsibility, and it must be in place by the time you exchange contracts.
When securing a mortgage, lenders require that buildings insurance is in place before contracts are exchanged. This ensures that the property, which acts as security for the loan, is adequately protected from the start.
Buildings insurance is a formal condition of all mortgage agreements. Cover must begin from the date of exchange, not completion, because that’s the point at which you become legally responsible for the property. If something were to happen between exchange and moving in, you’d be liable for repair costs unless cover is active.
For mortgage applicants, this is a non-negotiable requirement. Yet many don’t realise they can shop around. You’re free to compare providers or consult a buildings insurance broker like Zing Mortgages to find a policy that’s suited to both your mortgage terms and personal needs.
Whether you’re remortgaging or buying your first home, the policy you choose must align with your lender’s expectations, especially in terms of cover limits and exclusions. We’ll make sure you’re protected from all sides.
Tailored Advice
We provide one-to-one guidance based on your mortgage type, property, and personal circumstances. Our team is experienced in arranging cover that satisfies lender criteria while meeting your own requirements too.
Independent Access
Zing Mortgages works with a panel of providers, not just one insurer. This gives us the flexibility to compare policies and recommend options that offer the most suitable balance of cover and value.
Lender & Solicitor Liaison
We coordinate with estate agents, lenders, and solicitors to make sure your insurance paperwork is in place when needed. No last-minute surprises, no delays.
Convenient Consultations
Most of our clients choose to meet via Zoom, but we also offer phone calls and in-person appointments. Whatever suits you, we’ll make it work.
Ongoing Protection Support
Once your mortgage completes, we’re still here. From adding extra cover to advising on policy renewals, we provide long-term support, not just a quick fix.
Buildings insurance is your safety net against unexpected events that could compromise your home and your finances. At Zing Mortgages, we take the guessing out of selecting the right policy and ensure everything aligns with your mortgage terms.
Whether you’re buying a new home or remortgaging an existing property, our team is here to support you from start to finish. For trusted advice and reliable protection, speak to our buildings insurance brokers today.
Call us on 03332 414 113 or request a quote online.
Yes. All mortgage lenders insist on buildings insurance being in place by the date of exchange. This ensures the property is protected from structural damage during and after the purchase process.
You’ll need to cover the full rebuild cost of your home, not its market value. This figure is usually detailed in your mortgage valuation or provided by your surveyor.
Your buildings insurance should begin from the exchange of contracts, as that’s when you become legally responsible for the property, even if you haven’t moved in yet.
In leasehold properties, the freeholder typically arranges buildings insurance for the entire building. The cost is often included in your service or maintenance charge. As a leaseholder, you’re usually only responsible for contents insurance.
At Zing, we’re here to help you throughout your mortgage application. From your first enquiry through to completion - we’re here to make the whole process easier for you.
Efficient and Excellent Experience
1st time buyers and they made the whole process really easy from start to finish. Kept us up to date throughout and answered any questions we had strait away. Thank you Zing
Best choice we made
Gary was patient & understanding when dealing with our mortgage. Ellie was brilliant with weekly updates that increased to daily as we neared completion. Can't thank the team at Zing enough, would recommend to anyone.
Great service
Great service from start to finish. Lee was very knowledgable and got us the deal we where looking for. Was kept informed and he was always available, or called us back. Would highly recommend.
Excellent
Very nice service I will recommend it to my friends and if I need will use again. Very big thanks for Ian.
Good overall service
We have used zings services for a number of years now and have always been very happy with there services, although we had a bit of a slow start this time everything was completed well and would recommend them again for the future.
Would recommend
They chased the solicitors continuously for what was a long tome! They kept me up to date throughout which I really appreciated
