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Buying a home is probably the biggest commitment you will ever have to make in your life, and NOW is a good time to review all your arrangements to prepare for this. At James and Co we understand how important it is that your home and family are secure, we will work with you to make sure you get the best insurance cover to suit your needs and give you peace of mind. Whether you need home or contents insurance, we can arrange the best service for you. If you are a landlord, we can arrange specialist landlord insurance for your properties or your tenants, and if you are a tenant, we can arrange specialist contents insurance for people in rented accommodation. Below are a selection of policies James and Co offer. LIFE COVER This provides your dependants with a lump sum that can help to repay the full loan, if you were to die during the period of cover. CRITICAL ILLNESS COVER Many people who survive a critical illness cannot work again. If you die or are diagnosed with one of the critical illnesses covered by the policy and are eligible to claim, the lump sum paid out could help to repay the loan or support any other expenses, such as long-term care. MORTGAGE PAYMENT INSURANCE This sort of cover is designed to help you pay your mortgage repayments if you are unable to work resulting in a loss of earnings because of an accident or sickness. Or for an extra premium, if you become unemployed for up to 12 months through no fault of your own. Some mortgages with low interest rates come with a condition that you take out the lender's preferred insurance. This could be one or a combination of those we have discussed here. If you are in any doubt you should ask James and Co about any conditions that may apply, by simply calling us on 01279 42 11 11 BUILDINGS AND CONTENTS Your lender will insist that you take out 'buildings insurance' to protect your home. If you have a leasehold property, this insurance could be included in your lease.It is also essential to arrange adequate 'contents insurance' so your belongings are covered against things like fire, theft and flood. James and Co arrange all insurance policies exclusively through ??. For more information on Insurance contact James and Co on 01279 42 11 11 |