Home Insurance

What is Home Insurance?

Home insurance is a type of financial protection designed to safeguard your property and possessions from unexpected events. This typically includes damage caused by fire, flood, storms, burglary, or accidental incidents.

Types of Cover

• Buildings Insurance: Protects the structure of your home — walls, roof, windows, and permanent fixtures.

• Contents Insurance: Covers personal belongings inside the property — such as furniture, electronics, clothing, and valuables.

These can be purchased individually or as a combined policy, depending on your needs.

Why is Home Insurance Important?

For most people, a home is their most valuable asset. Repairing or replacing it after a disaster can be financially overwhelming without proper coverage.

In addition to peace of mind, home insurance is often required — most mortgage lenders will not approve a home loan without at least buildings cover. Even if you own your home outright, protecting against high-cost risks is a smart decision for long-term security.

Who Needs Home Insurance?

Whether you’re a first-time buyer, a homeowner with a mortgage, a buy-to-let landlord, or even a non-resident property owner in the UK, home insurance is a critical layer of protection.

It’s particularly relevant for:

• Individuals purchasing a new home

• Landlords renting out their properties

• Homeowners refinancing or remortgaging

• Overseas investors managing UK properties remotely

How Does the Process Work?

At Matwill Capital, we streamline the home insurance process into five clear steps:

1. Initial Consultation
   A short discussion to understand your property type, contents value, and concerns.

2. Policy Sourcing & Comparison
   We search the whole market to identify policies that balance cover, exclusions, and price.

3. Quote Presentation
   Clear comparison of options, technical term explanations, and full transparency.

4. Policy Setup
   We handle paperwork, liaise with insurers, and ensure timely activation — crucial for mortgage deadlines.

5. Ongoing Support
   Need to amend cover, renew, or file a claim? We’re here for long-term support.

Client Success Story

From Confused to Covered — A First-Time Buyer’s Experience

When our client Emily purchased her first home in Leeds, she had no prior knowledge of home insurance. Her lender required buildings cover before exchange, but she was unsure about contents protection and how to compare policies.

Matwill Capital assessed her property’s rebuild value, explained exclusions, and secured a bundled plan within her budget. She now fully understands her policy.

“I had no idea where to begin, but Matwill made everything clear and stress-free. They took the time to explain things in plain English and helped me choose the right cover, not just the cheapest.”
— Emily T., Leeds

Frequently Asked Questions

Do I need insurance if I already own my home outright?
Yes — it’s not legally required, but without it, you’d be financially responsible for damages or loss.

What’s the difference between market value and rebuild cost?
Insurers base buildings cover on the rebuild cost — not the market purchase price.

Can I add landlord-specific cover?
Yes. Landlord insurance includes tenant-related risks not covered by standard policies.

Will home insurance cover all kinds of damage?
It depends on the policy. We explain inclusions, exclusions, and optional add-ons like accidental damage.

Why Choose Matwill Capital?

Matwill Capital is more than just a broker — we’re your guide in understanding and choosing the right insurance protection.

• Access to all major UK insurers

• Honest, tailored advice

• Bilingual support: English & Mandarin

• Help with setup, changes, renewals, and claims

Protect What Matters — Get Insured Today

Whether you’re securing your first home or reviewing existing cover, Matwill Capital helps you get it right from the start.

📞 Contact us today for a free consultation or instant quote