Home Insurance

Protecting What Matters Most

Your home isn’t just bricks and mortar—it’s where you build your life, make memories, and keep the things you treasure. That’s why having the right home insurance in place is essential. At J Finance, we help you find a policy that offers peace of mind and fits your needs—whether you’re buying your first home, moving up the ladder, or reviewing your existing cover.

What is Home Insurance?

Home insurance typically comes in two parts:

Buildings Insurance
This covers the structure of your home—its walls, roof, floors, and permanent fixtures such as fitted kitchens and bathrooms. If disaster strikes, like fire, flood, storm damage or subsidence, buildings insurance can pay to repair or rebuild your property.

Contents Insurance
This protects your belongings inside the home—furniture, electronics, clothing, jewellery and more. If your possessions are damaged, stolen, or destroyed, contents insurance helps cover the cost to repair or replace them.

Many policies combine both buildings and contents insurance for simplicity.

Why is it Important?

✔ Mortgage Requirement – If you have a mortgage, your lender will almost always require buildings insurance as a condition of the loan.
✔ Financial Protection – Major incidents can be expensive. Insurance helps you avoid the stress of unexpected repair bills or the cost of replacing your possessions.
✔ Peace of Mind – You can relax knowing you’re covered should the worst happen.

Who can help you at J Finance?

A number of our Mortgage Advisers offer Home Insurance as part of their role, and we also have Becky who is our Home Insurance Specialist. Becky is passionate about offering a high level of service to her clients, and helping them navigate the options available.

Common Features and Optional Extras

Home insurance policies can include or offer:

  • Alternative Accommodation – Cover for the cost of temporary housing if your home becomes uninhabitable.

  • Accidental Damage – Protection for mishaps like knocking over the TV or spilling paint on the carpet.

  • Personal Possessions Cover – Extends cover to items you take outside the home, such as laptops, jewellery or bicycles.

  • Legal Expenses Cover – Assistance with legal costs for disputes related to your home.

  • Home Emergency Cover – 24/7 help for issues such as burst pipes or a broken boiler.

We’ll talk you through which options are worth considering and tailor your policy accordingly.

Why Review Your Cover?

It’s a good idea to review your home insurance regularly—particularly if:

  • You’ve renovated or extended your property.

  • You’ve bought new high-value items.

  • Your circumstances have changed.

  • You haven’t compared quotes in a while—premiums and policy terms do vary.

We can review your existing policy to ensure it still provides adequate protection and remains good value.

How J Finance Can Help

We work with a wide panel of leading UK insurers to:

✅ Compare policies on your behalf.
✅ Ensure cover meets lender requirements.
✅ Identify any gaps or overlaps in protection.
✅ Arrange competitive quotes with Defaqto 5-star rated insurers wherever possible.
✅ Provide clear explanations without jargon.

Whether you’re arranging insurance for the first time or simply want to check you’re getting the right deal, we’re here to guide you every step of the way.

Ready to Review Your Home Insurance?

Protecting your home and belongings starts with the right advice.

Get in touch today to request a quote or book a chat with one of our advisers.