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The journey to
protecting what matters most
Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
- Initial Meeting
- Personalised Advice
- We Take Care of the Rest
- You Are Covered
Meet The Owners
Simon & Kelly
“Going above and beyond is what we do; we LOVE our job, and most of all, we LOVE helping our clients.”
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We Can Search Thousands Of
Buildings Insurance Deals
The Journey to
Protecting What Matters Most
- 1
Initial Meeting
Book AppointmentLet’s grab a coffee (or a Zoom). This is where we get to know you, your concerns, and your protection goals. Think of it as a relaxed chat to set you on the right path to financial security. You talk, we listen!
- 2
Personalised Advice
Get Personalised PlanWe’ll craft an insurance plan tailored to your needs, complete with all the suitable options. We’re like your personal insurance matchmaker, finding the best deal to make protecting what matter most easy.
- 3
We Take Care of the Rest
Meet Your BrokerLeave the paperwork, provider chasing, and all the heavy lifting to us. All you need to do is sit back and relax while we make it happen behind the scenes. Our award-winning insurance team is available 7-days a week.
- 4
You Are Covered
Let's Get StartedYour new insurance is set up, and it’s time to pop the bubbly! Like all our 5-star customers, you are now financially protected should the worst happen.
Building Insurance Facts
Buildings insurance covers the structure of your home, including walls, roof, floors, windows, and doors. It also typically includes permanent fixtures like fitted kitchens, built-in wardrobes, and bathroom suites.
Why Use Protex Financial For
Buildings Insurance Advice?
Here at Protex Financial, we strive to focus only on you. This is why we can offer the best range of buildings insurance advice with access to thousands of products the insurance market offers. Our building insurance brokers can search thousands of products to ensure you are getting the most suitable deal you can possibly get.
The FCA, the Financial Conduct Authority, regulates our team at Protex Financial. This means everything we do is for you; we must offer you the leading and most suitable insurance options, rates, and buildings insurance advice.
Frequently Asked Questions
Buildings insurance is a type of insurance policy that covers the cost of repairing or rebuilding the structure of your home if it is damaged by events such as fire, storm, flood, theft, or vandalism. It typically includes the main building and permanent fixtures.
Coverage typically includes:
- Structural components like walls, roofs, and floors.
- Permanent fixtures such as fitted kitchens and bathrooms.
- External structures like garages and sheds (often as an optional add-on).
- Protection against various risks such as fire, lightning, storm damage, flood, theft, and vandalism.
- Some policies may include accidental damage and legal liability cover.
Yes, most mortgage lenders require buildings insurance as a condition of the loan. This ensures that the property, which serves as collateral for the mortgage, is protected against damage.
The rebuild cost is the amount to completely rebuild your home from scratch, including materials, labour, and associated fees. This can be different from the market value of your home. You can use a chartered surveyor or online calculators provided by insurance companies to estimate this cost.
Exclusions often include:
- General wear and tear or lack of maintenance.
- Damage is caused by pests like insects or rodents.
- Damage from floods or earthquakes unless specifically included.
- Certain high-risk areas or properties are under construction without additional coverage.
Yes, you can get building insurance for a listed building. Still, it may be more expensive due to the higher costs associated with repairing or rebuilding historical or unique architectural features. It’s important to find a specialist insurer who understands the specific needs of listed properties.
Yes, you can change your buildings insurance policy mid-term, but it’s important to review any cancellation fees or penalties. Shopping around for better rates or coverage and discussing options with your current insurer can help you make an informed decision.
Accidental damage cover is an optional add-on that provides protection against unexpected and unintentional damage to your home’s structure. Examples include drilling through a water pipe or accidentally breaking a window.
To make a claim:
- Contact your insurer as soon as possible after the damage occurs.
- Provide details of the incident and the extent of the damage.
- Submit any required documentation, such as photos or repair estimates.
- Your insurer may send a surveyor to assess the damage before approving the claim.
Yes, you can change your buildings insurance provider at any time, but you may incur cancellation fees from your current insurer. It’s important to compare new quotes and ensure there is no gap in coverage during the switch.
Yes, most buildings insurance policies cover subsidence, the gradual sinking or settling of the ground beneath your home. However, this coverage often comes with higher excesses, and you may need to provide additional information or undergo a survey.