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Life Cover

If you have a mortgage, spouse, children and/or dependents then some form of life cover is essential. Especially so if you are the main income earner. Ask yourself what would happen if you were no longer around to pay the mortgage or bills and if your family are sufficiently protected in this event. Combine this with a well written will (we can introduce you to specialist will writers) and your family will have far less to worry about in the event you are no longer here.

If you are a landlord with a portfolio of properties we cannot stress enough how important it is to take out substantial life cover - call us to find out why.

Income Protection

There has never been a more important time to arrange protection in the event you are made redundant or cannot work due to an accident or sickness. You may think this type of cover is expensive but policies can start from less than £10 a month; sufficient enough to cover the average mortgage payment (subject to your personal circumstances and criteria).

There are also policies available for the self-employed and tenants so that you can cover your rent. Contact us to discuss your requirements.

Sickness and Critical Illness Cover

Ask yourself what you would do to pay the bills if you could not work for the next twelve months or longer? We all think we will live forever and none of us likes to think that we will get sick or worse but it's a fact of life that a large number of us will be faced with an illness that means we cannot work for a prolonged period or indeed ever again. There are typically two things we can do to assist us in these times and that is contribute very heavily to your savings (and don't use them!) or insure against the risk.

Buildings and Contents Insurance

We can arrange all types of buildings and contents policies. Don't waste your time trawling the comparison websites which don't give you access to all the providers anyway and don't just lazily renew last years policy - you could be spending far more than you have to. Let us arrange it for you - you might be surpised that we can beat your best quote.

To source your own insurance use our online Quote Finder

Landlords Insurance

We can arrange a market leading insurance policy that has been specially designed by us over the years to perfectly suit the specific needs of landlords and property investors. Many landlord polcies are wholly inadequate for the purpose and you may find that your properties aren't suitably covered for long void periods or when undergoing refurbishment for example.

Click here for details of our Specialist Investment Property Owners (Landlords) Insurance Policy; designed by  landlords for  landlords.

Specialist Insurance

Whatever your insurance requirements then we can help with a range of specialist insurance products including marina, boat, caravan, commercial, professional indemnity and event insurance.

We can also arrange insurance to cover your inheritance tax liabilities - this is a MUST for any property investor and landlord.

Keys (UK) Limited is an Appointed Representative of Julian Harris Mortgages Ltd. Authorised and regulated by the Financial Services Authority in the conduct of mortgage and general insurance business with FSA No. 304155.

Your home may be repossessed if you do not keep up repayments  on a mortgage
or other loan secured on it. 

Think carefully before securing other debts against your home.

Buy to let (pure) and commercial mortgages are not regulated by the FSA. 

Mortgage Protection

If you have an outstanding mortgage on your home then you should have some form of insurance to pay it off in the evnt of your death or to cover your monthly payments in the event of your not being able to continue with your payments. You don't have to insure the entire amount which can be useful to keep costs down, if you and your spouse both work or if you have substantial savings for example.

With the collapse of the endowment market and miselling claims in recent years it's vitally important that you ensure that your endowment is still sufficient to cover your outstanding mortgage at the end of the term. Some 700,000 homeowners are still facing an endowment shortfall and worse still thousands of home owners have taken out or switched to interest only mortgages in the past ten years and have no repayment plan in place.