Protect the Home You Love with the Right Insurance
No one wants to think about losing their belongings or paying huge repair bills. That’s where home insurance comes in — giving you peace of mind and support when you need it most.
At Art of Mortgage, we help you find the right cover for your home — something that suits your needs and your budget from a wide range of options available.
Welcome to Art of Mortgage – Your Home Insurance Partner
Your home is more than just a building — it’s where memories are made. That’s why your financial and emotional protection matter to us.
Whether it’s covering valuables like laptops and mobiles, or making sure your business equipment is safe, we help you choose the right insurance policy for your lifestyle.
We are an independent insurance broker, which means we give unbiased advice and only work with trusted UK insurers regulated by the Financial Conduct Authority.
Contact us today for a friendly, no-obligation chat about your home insurance needs.
What is Home Insurance?
Home insurance is a policy that protects you against specific risks like fire, theft, or natural damage. If something happens, your insurer will pay out based on your policy terms (minus any excess amount you’ve agreed to).
There are two main types:
- Buildings insurance – covers structural damage, including fixtures and fittings.
- Contents insurance – protects your belongings like furniture, electronics, clothes, etc.
We help you decide what level of cover is right for your home and budget.
Is Home Insurance Mandatory?
Buildings insurance isn’t legally required — but if you’re taking out a mortgage, most lenders will require it.
While contents insurance isn’t compulsory, we strongly recommend it to protect the things that matter most to you. Replacing stolen or damaged belongings can be costly and stressful — the right policy can save you from that worry.
How Much Can I Claim?
Each policy has limits on how much you can claim, and you’ll usually have to pay an excess — the portion you pay before the insurer contributes.
There are two types of excess:
- Compulsory excess – set by the insurer
- Voluntary excess – chosen by you to adjust premiums
Frequently Asked Questions
Can You Help Me Get a Better Deal?
Absolutely. Art of Mortgage is completely independent, so we can look across the whole market. If you’re thinking of switching providers, we’ll review your current policy and help you find something more affordable — without compromising on the protection you need.