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Home Insurance

Protect Your Home and Everything Inside It

Your home is likely your biggest investment—so protecting it from unexpected risks is essential. Whether you’re a homeowner, landlord, or renter, having the right home insurance policy gives you peace of mind that your property and belongings are covered against fire, theft, flood, and other unforeseen events.

At Alphakey Mortgages, we offer whole-of-market access to leading home insurance providers across the UK.

We help clients find tailored, affordable cover that meets their unique needs, with expert advice every step of the way.

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Home Insurance FAQs

Do I need home insurance to get a mortgage?

Most lenders require you to have building insurance in place before completion to protect their financial interest in the property.

What’s the difference between buildings and contents insurance?

Buildings insurance covers the structure of your home (walls, roof, floors), while contents insurance covers your belongings inside the home.

Is accidental damage included?

Some policies include it; others require it as an optional add-on. We’ll explain what’s covered and help you decide if it’s worth including.

Do I need landlord insurance if I rent out my property?

Yes. A standard home insurance policy won’t cover rental properties. We can arrange specialist landlord insurance tailored to rental risks.

How much cover do I need?

Buildings cover should be based on the rebuild cost (not market value). Contents cover should reflect the replacement value of your possessions. We’ll help calculate the right amounts.

Why Choose Home Insurance Through Alphakey?

Buildings Insurance

Covers the cost of repairing or rebuilding your home’s structure if it’s damaged by fire, flood, storms, or other insured events.

Contents Insurance

Contents Insurance protects furniture, appliances, electronics, and personal belongings against theft, loss, or accidental damage.

Tailored Cover

We help you choose the right level of protection—whether you live in the property, rent it out, or occupy a shared ownership home.

Expert, Personalised Advice

We don’t rely on generic online quotes. Instead, we take time to understand your needs and recommend the most suitable policy from across the market.

Our Mortgage, Lending & Protection Services

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Residential Mortgages

Access to residential mortgages from all UK lenders.

Residential Mortgages
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Buy-To-Let Mortgages

Buy-to-let, limited company, HMO, and holiday let mortgages.
Buy-to-Let Mortgages
Commercia Mortgages

Specialist Lending

We offer flexible lending solutions for unique situations
Specialist Lending
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Mortgage Protection

Cover your mortgage if life takes an unexpected turn.
Mortgage Protection
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Life Insurance

Protect your family’s future, no matter what.
Life Insurance
Income Protection 280x280

Insurance & Protection

Personalised cover for life, income, health, home, and more.

Protection Services
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.