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Home Insurance

When embarking on a new mortgage it’s essential to have the right insurance to protect you through life’s uncertainties. Bliss Financial can help to secure the right home cover to protect you and your family.
property insurance broker

Property insurance for the home you love

The thought of losing your belongings or footing enormous repair bills can be scary. Home insurance protects you if the worst happens, giving you the peace of mind you need as you embark on a new mortgage.

Bliss Financial can help you to navigate the huge number of home insurance covers on the market and find one that best suits your needs and budget.

Welcome to Bliss Financial Solutions, home insurance broker

At Bliss, our customers’ financial and emotional protection is of the utmost importance to us. We can help you to find the right home insurance cover to give you the protection you need.

Whether you’re looking to protect your business equipment or your mobile phones or look at extra cover for other areas you feel are important to you then we can scour the market to provide you with a suitable policy.

We are an independent insurance broker, so you can rely on us to give you impartial advice that is firmly in your interests. We only work with trusted British insurers on the Financial Services register, regulated by the Financial Conduct Authority.

Contact us today for an initial chat about your home insurance needs.

What is home insurance?

Home insurance refers to a range of insurance policies that cover pre-agreed incidents, e.g. fire or burglary. If you come to make a claim, the insurance company will pay out in line with the terms of your policy. Usually, there will be an amount of excess paid by you.

It includes buildings insurance, which covers the cost of repair to the structure and fixtures and fittings of your home in certain eventualities. You can also take out contents insurance which will cover your personal belongings.

What type of policy you choose depends on the level of cover you feel is important and your overall budget. At Bliss Financial, we’re dedicated to helping you secure the right insurance to give you the protection you need.

Is property insurance a legal requirement?

As a property owner you are not legally required to take out buildings cover. But most mortgage providers will insist on buildings insurance at a minimum.

Although there is no requirement to have cover other than buildings, we highly recommend considering personal possessions cover.

Losing your personal belongings can be devastating emotionally as well as financially. We can help you find cover from the right home insurer to protect the things you need and love.

What does property insurance cover?

When you take out home insurance, it is important to know exactly what your policy covers and to what value. There are lots of variations from lender-to-lender, so it pays to have an experienced insurance broker like Bliss on your side to find the best deal to suit your needs.

Buildings insurance

This type of insurance covers the cost of repairing and even rebuilding your property should the need arise.

What’s covered?

This could include damage from incidences such as:

  • fire
  • storms or floods
  • theft, attempted theft or vandalism.
  • burst pipes
  • subsidence

What isn’t covered?

It’s important to remember that standard home insurance policies do not necessarily provide cover for every type of risk to your home. For example, damage due to poor workmanship is unlikely to be included.

There is a range of optional extras to consider, such as alternative accommodation if your house becomes inhabitable, trace and access cover and even legal costs.

Contents insurance

Contents insurance covers damage or loss to your belongings. That includes everything from pots and pans to your Smart TV. When you take out contents cover, you will be required to calculate the cost of your possessions, which will determine the value of your policy.

As with buildings insurance, not everything is covered as standard, e.g. accidental damage such as spillages or DIY mishaps. So if you are particularly accident prone, you may wish to include accidental damage as an optional extra!

Insurers offer a range of optional extras, such as additional cover for personal items like your mobile phone.

How much can I claim?

For both buildings and contents insurance, cover limits will apply which cap the amount you can claim. The amount of excess you will be required to pay in the case of a claim will also vary by lender.

Frequently Asked Questions

Is home insurance mandatory?

The only property insurance that is mandatory is buildings insurance. Although it is not legally required, mortgage providers insist on adequate buildings insurance to protect their interest.

How do you work out your home insurance price?

Home insurance costs depend on a wide range of different factors. Buildings insurance policies are based on property details such as the market value, age and state of repair. Where you live and your past home insurance claims will also be factored in.

When it comes to contents cover, you will need to make an estimate of the value of your belongings to determine the amount of cover you need. We can help you to do this with the help of a contents insurance calculator.

Do I need home insurance if I rent?

You are not required to take out home insurance if you are a tenant, that is your landlord’s responsibility. However, it is wise to consider renters’ insurance to cover the cost of repairing or replacing your personal belongings.

What is legal cover on home insurance?

Legal cover will provide you with cover should you require legal assistance for a specific issue in relation to your policy limits. This could be a boundary or Neighbour dispute for example.

What is excess in insurance terms?

Excess refers to the amount the policy holder has to pay first, before the insurance provider pays out.

There are two different types of excess, voluntary and compulsory.

  • Compulsory excess, as it suggests, is the amount that must be paid by the policy holder in the case of an agreed incident.
  • Voluntary excess is an amount agreed by you when your policy commences. By increasing the amount you can sometimes reduce your premiums.

Can you get me cheaper home insurance?

Bliss Financial has access to the whole of the insurance market is completely independent. So if you are looking to switch insurance providers, you can rely on our help to find a more affordable deal. We will look at your existing home insurance policy documents and work out if your current cover serves your needs, before searching the market for a new deal.

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Why choose Bliss Financial for home insurance?

Here at Bliss Financial we have many years of experience in sourcing appropriate buildings and contents cover for our customers. We will take the time to get to know your circumstances and make sure your property insurance covers what is important to you.

For example, you may want the added safety net of alternative accommodation should the need arise. You may wish to beef up your personal belongings cover to include specialist items like antiques or designer clothing. If you have young children, you may wish to include accidental damage cover.

Whatever your needs are, we will find the insurance policy that is right for you. We are totally independent brokers and will look at a wide range of high street and specialist insurers to find you the best deal.

If the time comes to make a claim, then we will be on hand to offer advice on the conditions of your policy. As your trusted insurance broker, we’ll be there every step of the way to help you protect your home.

Contact us to find out more about our services.

Our Mortgage & Protection Services


Selected from a number online because they stated that they have experience working with people from the military. This was essential given how moving on assignment often can be a negative for many banks when it comes to lending. Amanda was excellent and the process was swift and easy. We had planned to visit face to face but the process was just as high quality over zoom and phone.
Richard S.
Amanda is great, everything was explained clearly and always responsive to queries, would highly recommend.
Pavitar P.
This is my second time remortgaging through Bliss and Amanda. The service provided has made my life stress free and Amanda was thorough with her research into what deal and term would be best for me based on economic uncertainty and where I am atthis point of my life.I'd not use any other mortgage broker ✨
Harriet L.
Amanda was extremely knowledgeable and helpful from minute one. I am very grateful to her for diligently working within a fairly tight timeframe to identify and provide me with the right product.Her communication throughout was prompt and well-received. I look forward to using her services again.
James D.
Excellent service. Fully deserving of 5 stars. Nothing to fault. Great communication and everything went through in time with no issues. Would highly recommend Amanda Marsden.
Luke H.
Amanda was absolutely brilliant from start to finish. She helped us secure our forever home mortgageWould 100% recommend for anyone needing financial services of any kind!
James B.
Absolutely perfect service from start to finish, no stress, no hassle can’t recommend enough. Thankyou
sarah W.
We have used Amanda for many years. She knows exactly what she is talking about and offers the best advice. I cant recommend Amanda enough if you're thinking of getting a mortgage or going through a Re-Mortgage. She reassured us throughout the whole process and was in touch every step of the way. Thank you Amanda, here's to many more years.
David J.
Amanda was amazingly helpful and made the whole process hassle free. Even when I changed my mind a few times nothing was a problem and the end result was exactly what I was looking for. I would highly recommend Amanda and the team
Atha D.
We used Amanda a few years ago for our first mortgage. She was an absolute hero for us. She sat us down and explained everything thoroughly putting all out worries at ease as first time buyers. We had issues with our chain which meant our mortgage offer lapsed and Amanda was there every step of the way right through to the day we moved in. Due to remortgage in the next year or so and I will always go back to Amanda.
Anya K.
Once again very helpful and prompt in helping us with remortgaging our property, highly recommended
Natasha G.
Bliss WILL get you the best mortgage solution possible. The best mortgage broker around!!
michaela M.
Amanda was absolutely brilliant from start to finish. She helped me secure my first mortgage and also helped with organising the best deals on life and home insurance for my house. Would 100% recommend for anyone needing financial services of any kind!
Nathan C.
We specifically selected Bliss as financial advisors for our mortgage, as we'd read great reviews from other first time buyers. Amanda was so welcoming and helpful, introducing us to the whole process. We actually went to her thinking we were fish out of water, and wanting to but not expecting to but for a few years, just wanting to get our heads around it. However everything felt easy, quick and well explained and we were accepted for a within approx 2 months of starting our search. Amanda has been amazing throughout the entire process - even personalising the way she presented documents to us to suit our styles (me, needing to talk everything out and my partner more graphs and charts!). Evening appointments were organised to work around our work schedules. She was in constant communication with all stakeholders, chasing things up for us and since moving, also supporting with insurances. I'd highly recommend Bliss, and specifically Amanda for any financial advisory services however particularly first time buyers, as no question feels like a silly question. For future purchases, selling, and any other financial services - we will definitely return to Bliss.
Amber B.
Great service. Professional, friendly and efficient. Amanda did a great job in advising me and then finding and securing the best mortgage to suit my situation
Ed T.
Absolutely amazing service, couldn't have received any better. Very friendly and quick at replying to all enquiries. Very understanding of our circumstances which were difficult but still got us everything we needed for our new house. Thank you again Amanda, will be recommended you to everyone who needs a mortgage broker ☺️
Stacey G.
Amanda helped us to secure our first mortgage. She was on hand for support all the way through the process and very helpful in explaining things in a more simple way to help us to understand. She kept in contact with us regularly throughout the process and really made us feel at ease. We cannot thank Amanda enough for her support and help.
Annise M.
I came across Bliss financial solutions by google search when desperately trying to find a mortgage advisor who could do the impossible (secure a DiP quickly, that met my difficult short term self employment circumstances).Amanda from Bliss has been a pleasure to work with. The perfect balance of professional and friendly, incredibly organised and certainly not deterred by a challenge. I’m really grateful for the time and effort she put into my case to allow me to secure the house I wanted within the mandated timeframe. Thank you so much Amanda and Bliss for allowing us to get our new home 💜
heather U.
I just want to say how amazing Amanda at Bliss financial is!!. My partner and I were looking at buying a shared ownership prooerty and everything started happening very quickly ... but Amanda just took over from the start and literally kept me at ease the whole way . Herprofessionalism throughout was second to none and helped with every aspect of the process. Thanks to Amanda we now have the most beautiful home and we will be forever grateful for everything she has done for us. I would 100% recommend Bliss Financial.
charlotte C.
Excellent service. Amanda really took the stress out of remortgaging for us. Highly recommended
Amy G.
Switching mortgages has always been a frustrating and time consuming experience but using Bliss made the process seamless and most importantly stress free! They were excellent and I would highly recommend their services.
Neil G.
Amanda has been totally invaluable through our first home buying journey. Always on hand to answer the hundreds of questions with her excellent knowledge and guidance.I would absolutely recommend Bliss Financial Services.
Matt D.
We have been in our new house for nearly 2 months now all thanks to Bliss Financial Solutions, Amy was amazing sorting our new mortgage out and talking us through everything we needed to know. Very smooth process with good communications. Thank you very much. 🙂
Donna G.
Exceptional customer service, professionalism and market knowledge.
George R.
Really excellent & supportive service from start to finish throughout mortgage process, from initial enquiry through to successful completion, friendly, knowledgeable and always happy to take time to answer any questions - great organisation.
Nella F.
Brilliant lady Amanda, always positive knowledgeable and helpful. Have no doubts in recommending her and Bliss Financial Solutions
Jeff W.
Very prompt and professional team. Helped us out no end! Highly recommended
Wayne C.
I would like to thank Bliss Financial Solutions for amazing, professional and swift responses during the process of my first home purchase.It has been an absolute pleasure each time I have met you and will 100% have no hesitation for contacting you again for future requirements and highly recommending you.
Paul K.
We have recently used Amy at Bliss to help us get a mortgage. After having a stressful time at high street banks and other mortgage brokers, we contacted Amy for help. Amy was absolutely excellent and the work she does is outstanding. Amy went above and beyond and managed to find us a mortgage in a matter of days. Throughout the whole process Amy kept us up to date and managed the mortgage application seamlessly despite a stressful time with other companies. I would like to express my many thanks to Amy and the team at Bliss for being so excellent and thanks to them we now have the keys to our new home.
My experience with Bliss Financial was excellent, everyone went above and beyond. Provided the best advice and more. Our mortgage was sort with out any stress. I will continue recommending to friends a family looking for mortgage advice.
emma W.
First class customer service, highly recommend Bliss Financial Solutions LTD to anyone that values a professional, efficient and personal approach. Being first time buyer my partner and I had very limited knowledge around mortgages and all things connected. Amanda and her team went above and beyond to ensure we understood everything and provided advice when we had any questions with immediate response. Bliss financial limited we thank-you kindly for making the whole mortgage process so easy, you took all the strain off us especially need due to the birth of our daughter 3 weeks ago you made the mortgage process easy and hassle free. I will definitely be a customer for life and if there is anyway I can share your company’s profile on social media please let me know as I would love to recommend your service to others.Many thanks Melissa Hodgson, Andrew and Eloise - three very happy customers 😊
Melissa H.
Amy and the team were absolutely amazing! Nothing was too big. We didn't really know much about the process and Amy explained everything so we fully understood! We couldn't have done it without the team 100% would recommend to anyone! Thank you all so much ❤️
Rebekah F.
We used Bliss to re morgage our property. Amy was absolutely fantastic, made everything feel really easy, she was clear in all her explanations, open and honest with setting expectations, and really knowledgeable. The whole process was really smooth. We also discussed life insurance which was something of a priority giving we had just had a little boy recently. Amazing service. Would highly recommend. We will definitely be using again for any future mortgage or insurance needs.
Lauren A.
Excellent service, they really came to the rescue after being messed about by our current lender, amazing absolutely amazing. Just wish we went to them sooner would have saved a big headache 😃
Michael C.
Efficient and friendly. The team helped source the most appropriate mortgage for us at a very busy and pressured time for interest rates and timeframes. They were very helpful in expediting the completion when our solicitors were holding up proceedings. The little gift afterwards was much appreciated also. Would recommend.
Kirsty T.
Bliss Financials was a vital part of my journey to home ownership in the UK. They always gave personalized yet professional advice and were always accessible and responsive all through the process. They were very thorough, transparent and client centered; offered and discussed all the available options to enable me make an informed choice. I would totally and wholeheartedly recommend their services and I am very grateful to Amy who handled most of the process as well as Amanda and Sophie. Great team/firm!
Nwosa C.
I would like to praise the excellent service of the Bliss Financial Solutions LTD.I have a brilliant experience with this company. I was buying a house for the first time and Bliss Financial advised me on every step of the process (mortgage, insurance), offering me suitable options that I could choose from. I always got great offers and still was in control.All members of the team (Amy, Sophie, Amanda) are brilliant, very professional, friendly and responsive.I am very grateful to Amy (my consultant) as she did help me very much throughout the process, nothing was a problem,I received responses straight away and she also prompted other parties to act swiftly (lender, insurance companies, solicitor, etc.).If I need mortgage or insurance in future, I will definitely ask Bliss Financial for help again.
Michal P.
I am now on my second mortgage which was arranged using Bliss. What an outstanding service. From start to finish the Bliss team were great in answering queries that I had. They even pushed to get me an extension to my offer seeing me secure a great rate before the recent rises. This certainly helped me secure my dream home. I would recommend Bliss to anyone who is after a professional and personable mortgage advisor.
Amanda worked extremely hard and was really efficient is securing a fixed deal for me at a time when rates were being removed across the board. I would recommend them to anyone.
Andrew M.
Excellent from start to finish. Every decision and option were made clear to us about the implications and any questions we had were answered in a timely manner, making remortgaging easier than I imagined it would be. Thank you to Bliss Financial Solutions for excellent service and attention to personal details that really made us feel like our priorities were put first. We will use again at our next remortgage and would recommend to anyone.
Melissa B.
Excellent company, fast and responsive and a professional outfitI appreciate Amy’s swift advice on a deal to secure a good rate 12hrs before the rate changed
Adam L.
What a fantastic service. I contacted Amanda via a friend recommendation. She was friendly and helpful. She passed me to Amy who was my advisor for the whole process.As a first time buyer, I was like a rabbit in the headlights. But Amy reassured me and made the whole thing a breeze, with regular contact and updates along the way.Thank you to you all.Highly recommend 😁See you when it's time to remortgage 😉
Steven R.
We have used Bliss/Amanda for a number of mortgages now and the service has always been second to none!We have had complicated financial situations that the Bliss team have used their extensive knowledge to support and ensure we receive the best product for us.We always recommend Bliss to all our friends and family!Thank you to Amanda, Amy and Sophie
Samantha B.
The staff are amazing and very helpful throughout the whole process, the rates are very competitive and the after sales service is second to none, I would highly recommend Bliss Financial to anyone.MarkAspire Property Rentals
Mark L.
Any Lyons found us an excellent mortgage deal and then helped us through a long complex legal process regarding the house. She was there for us all the way through keeping us informed and chasing up when there were delays, Thank you Amy and her team.
Ken W.
Amy has been amazing from the start of our process as first time buyers until completion. We had a few delays along the way due to waiting on a new build but Any was there to guide us through every step of the way to help us rearrange another mortgage and kept us regularly updated on the process. I have already recommended her to friends and family and wouldn’t hesitate to use her again when we remortgage.
Melissa N.
Really happy with the service from Amy and Bliss Financial Solutions - Amy made sure everything was as straight forward as possible, was super communicative and really easy to deal with. Would not hesitate to recommend them.
Rachael G.
Amanda was very helpful. Gave advice over a number of options for my situation. Many other companies didn't even bother calling me back. Will definitely go back to Bliss again in the future.
Lesley C.
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