Protect your home, your income, and the people who rely on you
A mortgage is one of the biggest financial commitments you’ll ever make. The right protection ensures that if life takes an unexpected turn, your home, your income, and your family remain secure. At TJ Brookes, we provide clear, personalised advice across the four key areas of mortgage protection:
Each type of cover plays a different role in safeguarding your home, your finances, and your long-term stability.
Buildings & Contents Insurance forms the foundation of mortgage protection. Buildings insurance (not contents) is a condition of any mortgage offer, meaning your lender will not release funds unless the property is adequately insured from the day of completion.
Buildings insurance protects the physical structure of your home, while contents insurance protects your belongings. Together, they ensure your property and possessions are covered against unexpected damage or loss.
What Buildings Insurance Covers
Buildings insurance protects the property itself — the part your lender has a financial interest in — which is why it is mandatory for all mortgages.
What Contents Insurance Covers
Contents insurance is optional but strongly recommended, especially for homeowners with valuable items.
Most buildings insurance policies include an Average Clause, which reduces your payout if the property is underinsured. If the rebuild cost is higher than the amount you insured the property for, the insurer will only pay a proportion of the claim.
Example
Rebuild Cost Guidance
Your rebuild cost should reflect:
For many UK flats valued around £180,000, rebuild costs typically fall between £140,000–£170,000 depending on structure and location.
Life insurance pays out a lump sum if you pass away during the policy term. This can be used to:
Key Benefits
Critical Illness Cover
A lump-sum payout if you’re diagnosed with a serious medical condition
Critical illness cover pays out if you’re diagnosed with a major illness such as cancer, heart attack, stroke, or other serious conditions.
Key Benefits
Income Protection
Monthly income if you’re unable to work due to illness or injury
Income protection replaces a portion of your income if you can’t work because of illness, injury, or long-term medical conditions.
Key Benefits
Most clients choose a combination of:
We’ll help you build a tailored plan that fits your needs and budget.
If you own a buy-to-let property, your risks are different from a residential homeowner. Below is the same clear guidance we provide to clients like Selena — structured, practical, and easy to understand.
1. Landlord Buildings Insurance | Estimated cost: £12–£18 per month
What it covers
Why it matters
The Average Clause (Important)
If the property is underinsured, the insurer reduces any claim payout proportionally.
Rebuild Cost Recommendation
Rebuild cost should reflect:
Typical rebuild cost for a flat valued at £180,000: £140,000–£170,000
2. Landlord Contents Insurance | Estimated cost: £6–£10 per month
What it covers
Why it matters
3. Property Owners’ Liability Insurance | Estimated cost: Usually included
What it covers
Why it matters
4. Loss of Rent Cover | Estimated cost: Included in comprehensive policies (£18–£28 total)
What it covers
Why it matters
5. Legal Expenses Insurance | Estimated cost: £3–£5 per month
What it covers
Why it matters
6. Rent Guarantee Insurance (Optional) | Estimated cost: £6–£12 per month
What it covers
Why it matters
Cover Type > Monthly Cost
Whether you’re protecting your home, your family, your income, or your rental property, we’ll help you choose the right cover at the right price — with clear explanations and no pressure.
TJ Brookes Ltd | Contact number: 0330 223 7714 | Email: info@tjbrookes.com
Registered address: 4 Greenacre Mews, Leigh-on-Sea, Essex, SS9 3EW
Company number: 14611371
TJ Brookes Ltd is an Appointed Representative of Connect IFA Ltd.
Connect IFA Ltd is authorised and regulated by the Financial Conduct Authority.
Connect IFA Ltd FCA number: 441505 | TJ Brookes Ltd FCA number: 1033216