- info@parkhillfinancial.co.uk
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Your home is more than just a building — it’s where your life happens. At Park Hill Financial, we help you secure comprehensive home insurance policies that protect your most valuable assets, from the bricks and mortar to the personal possessions inside.
Whether you own your home, rent, or have a second property, we offer independent advice on policies that are suited to your property, lifestyle, and budget.
There are three core categories of home insurance, and understanding the difference is essential when choosing the right protection:
Buildings Insurance covers the physical structure of your property — the walls, roof, floors, and permanent fixtures like fitted kitchens and bathrooms. It protects against damage caused by events like fire, flooding, storms, subsidence, or vandalism. This type of cover is usually required if you own your home or have a mortgage on it.
Contents Insurance protects the items within your home — everything from furniture and electronics to clothing and valuables. If your belongings are damaged, lost, or stolen due to a covered event, this policy helps you repair or replace them. Tenants and homeowners alike benefit from having this cover in place.
A combined policy offers both types of cover under one plan, providing a convenient and often more cost-effective way to insure both your home and its contents. It ensures you’re fully covered with one insurer and one monthly premium.
Coverage varies between providers, but most policies can include:
Protect your structure, contents, and peace of mind.
Insure against tenant damage and property risks.
Safeguard personal belongings and valuables.
Specialist cover for vacant or seasonal use.
The home insurance market is vast, with providers offering a wide variety of features, exclusions, and pricing models. Policy wording can differ significantly from one insurer to another — meaning that the level of protection you receive can vary more than you think.
That’s why independent advice is essential. At Park Hill Financial, we review the fine print and guide you to policies that:
Offer the right level of cover
Suit your property type and risk level
Include valuable add-ons like accidental damage or home emergency cover
Come from trusted UK insurers with strong claims support