Suite 8, Heronslea House, High Street, Bushey, Hertfordshire, WD23 3HH
Home Insurance
Buildings & Contents Insurance
Having home insurance means you won’t be out of pocket if you need to repair your home or replace your belongings after they’ve been stolen, damaged or destroyed.
It comes in two parts: buildings insurance (cover against damage to the house itself) and contents insurance (for damaged or stolen items within the home). These can be combined or bought separately. Our panel of lenders also offer optional extras such as:
- Home Emergency Cover
- Accidental Damage Cover - Insure your home and belongings against knocks, spills and DIY disasters.
- Family Legal Protection
- Personal Possessions Cover - Covers items outside the home such as mobiles, tablets, laptops and jewellery.
Your home is one of the most important things you can insure, yet many simply choose the cheapest quote without a second thought.
Landlords Insurance
Landlords’ Buildings and Contents Insurance is designed specifically for people who let out a property. Landlord insurance provides cover for your property - both the building itself and any furnishings you’ve provided.
It can also protect your rental income and cover your liabilities if your tenants are injured on your property and you are deemed to be at fault.
In addition to cover for general risks such as fire and storm damage to the building, landlord insurance policies offer cover for:
- Accidental damage – if your tenants damage your property unintentionally
- Malicious damage – if your tenants intentionally damage your property
- Employer’s liability – if you employ people in your property who then become injured as a result of your negligence
- Property owner’s liability – if you are deemed liable for damage or injury suffered by third parties arising from your ownership of the property
- Unoccupied property cover – if you have no tenants for a period of time and therefore aren’t getting rental income
- Loss of rent – if your tenants are unable to pay their rent
IMS (Watford) Ltd act as a credit broker not a lender.
Client's View
“Garry has been my trusted advisor for some time and has consistently provided sound, timely and impartial advice. I have recommended IMS to friends and colleagues and the feedback has always been superb. IMS provide first class advice and I would urge anyone looking for assistance in navigating the mortgage market to retain their services.”
S Al-Mukhtar
“We have been referring clients to Adam Wilson at Independent Mortgage Solutions for some years now. Our client experience is central to everything we do and so it is very important that any company we refer our clients to adopt the same honest and transparent approach to providing advice. They have proved themselves very capable and knowledgeable in tandem with offering efficient and personal service. I would not hesitate to recommend their services to anyone looking for clear and impartial advice.”
J Batchelar Director – Chartered Financial Advisor NSL Wealth
“I can’t speak highly enough about the service l have received from Tom at IMS. It is everything you want, excellent mortgage rates, knowledgeable advice and an application process that is stress free, seamless and easy. I was in great hands all along the way. Great company to deal with, nice with it too.”
N Hall
“The service and personal attention I received from Darren was first class. He went above and beyond what I was expecting not only making sure my mortgage was competitive but also my mortgage was fully protected with a personally designed protection portfolio to protect me and my family. I would not hesitate to recommend Darren to my friends and family.”
P Powell
Contact us for more information
Email the Team
020 8421 5811
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