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Home contents insurance

Home insurance, also known as contents insurance, protects your prized possessions, replacing them should the worst happen. It can cover accidental damage too - accidents do happen! And Beechwood Mortgages can help you find the cover you need.

Helping you protect the contents and possessions in your home

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CONTENTS INSURANCE

Cover the cost of all your household items and protect them from theft or accidental damage.

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FOR SHARED HOUSING

Living with others? Cover the value of your personal belongings.

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FOR TENANTS

Discover the best rates to protect your possessions when getting contents insurance for renters.

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HOUSE AND CONTENTS

Save yourself time and money by combining cover for your home and your contents.

Cover that’s tailored to you

The needs of our clients across Reading and Berkshire vary immensely, which is why we avoid a ‘one size fits all’ approach when it comes to contents insurance. Beechwood Mortgages works to understand your individual needs and recommend policies based on the number of items, their value and other factors that are out of your control.

 

As with all insurance policies, conditions and exclusions will apply, which we’ll happily guide you through. From start to finish, our team is committed to your satisfaction.

What does contents insurance cover?

Many house contents insurance policies vary and are tailored to suit individuals' needs. These policies help protect all your valuables in case of theft or damage from fire or flooding. They can protect the following: •Furniture such as wardrobes and beds •Electrical goods including TVs, DVD players and computers •Clothes and jewellery •Kitchenware such as microwaves and kettles

The ideal policy within budget

Finding an insurance package that won’t break the bank doesn’t have to mean cutting corners. We’ll identify your required level of cover and find a policy that has everything you need and nothing you don’t. Our team can also answer questions such as, ‘is contents insurance mandatory?’, and advise on ways you can check if your current policy is meeting your needs.

Invaluable support from the team that cares

Whilst purchasing a property is an important decision, it’s the possessions within your building that really matter. We understand what your valuables mean to you, so we’ll search the market far and wide to secure a policy that ticks all the boxes and promotes your financial wellbeing.

  • Do all mortgage brokers charge fees?
    No, not all mortgage brokers charge fees, and Beechwood Mortgages is proud to be offering fee-free mortgage services to first time buyers in 2024. (terms & conditions apply) As a mortgage broker, we earn our fees directly from the lender, so in most cases you don't have to worry about paying any additional fees for our assistance. We are committed to helping you find the best mortgage deal without adding any financial burden. Our goal is to make the mortgage process as transparent and cost-effective as possible for our clients. Check out our full fat version Do All Mortgage Brokers Charge Fees? for a complete rundown on broker fees and what to look out for.
  • What does a mortgage adviser do?
    A mortgage advisor will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and building societies. What's more, they offer a level of support that streamlines the entire process and makes things easier for you. You can learn more by visiting our page Why Should I Use A Mortgage Broker?
  • How can I get the best mortgage advice?
    You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage advisor or broker who will search and compare numerous products at the touch of a button. Check out Why Should I Use A Mortgage Broker? for more information.
  • Is mortgage advice free?
    The cost of mortgage advice depends on the terms and conditions of the broker / adviser you are working with. Many mortgage brokers will charge for their services and the amount payable will usually depend on your requirements, their own workload and perhaps on the value of your mortgage. We offer a free consultation every time and will quickly confirm if there will be any charge for our services and support. In the majority of cases, we will receive a commission from the lender once a mortgage starts. It’s important for you to clarify terms and conditions with mortgage advisers from the start so that you are aware of any charges and financial responsibilities you may incur. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
  • Do banks charge for mortgage advice?
    No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. All lenders charge varying fees and this will be no different if you work with a mortgage broker. Whole of market mortgage advisors / brokers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a huge variety of lenders. Many brokers will charge a fee, for more information check out our article, Do All Mortgage Brokers Charge Fees?
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Don’t take a chance with your valuables

Contact Beechwood Mortgages to discuss what the market has to offer and get the right cover in place.

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