Your home is likely to be the biggest asset that you own and you've probably spent a long time furnishing it. We can help you make sure it's properly protected.

Generally home insurance policies are broken down into two major components; buildings insurance and contents insurance. The buildings insurance covers your home's bricks and mortar, that is the structure of the building. Contents insurance covers most other things contained within your home.

Most landlords take out residential policies in the mistaken belief that this will pay out if something happens to their buy to let property. No insurer will pay out in these circumstances so to prevent any nightmare scenarios it is vital to get landlords insurance policy for all your buy to let properties.

Insurance premiums are influenced by the area in which you live, low local crime rates will be reflected in your premium. Insurers often provide a no claims bonus of up to 50% for those who have not made claims against their policy over the last few years.

It is vital to get expert advice to tailor the policy to your requirements since an insurer will usually not pay out or may pay out less than you expect (just when you need it most) if you underinsure your property. Not all policies are equal and your Smart Money adviser will be able to find the lowest cost policy with the essential cover you need.