Insurance is a necessary evil. Some mortgage-related insurance cover is mandatory, such as buildings cover part. Some is optional, but recommended, such as contents insurance.

Some life insurance and income replacement cover is simple, and other types of insurance more complex.

When thinking about your own insurance, it is essential that you are not over- or underinsured, or paying too much for your policy.

Always compare the market and shop around on a regular basis for the best deals.

Businesswoman under an umbrella with information raining down

Two thirds of women have no life insurance

Two thirds of British women have no life cover and a third say they wouldn't consider it.


Home insurance leaves absent owners exposed

Standard contents cover is often rendered null and void if homeowners are away for 30 days or more.

Flooded farm house

Government agrees flood insurance deal

A fund is to be set up to keep flood insurance cover affordable for high-risk homeowners.


Younger people turn backs on homeownership

Most young people despair of ever buying their own home, despite government attempts to encourage first-time buyers onto the property ladder.


Rent Guarantee Insurance

Rent Guarantee Insurance (RGI) can protect buy-to-let landlords against the risk of their tenants falling behind or ceasing to pay rent altogether.

A magnifying glass and a book

First-time landlords risk losses with poor insurance

Accidental or inexperienced landlords are paying for rent guarantee insurance that is unlikely to pay out.


Power to curb mortgage lending proposed

Mortgage lending criteria could get stricter during economic booms if plans for more capital requirement controls go ahead.


Landlord register "further tax" on landlords and tenants

Residential landlords have dismissed Labour’s proposal for a national register of landlords as a “further tax on landlords and tenants”.


What’s in store?

What is the outlook for the UK property market in the coming year? Tahmina Mannan asks the experts


Bank chief may scrap inflation-targeting

Incoming Bank of England governor Mark Carney could dump inflation-targeting to kick-start growth.

save money ideas

Auditing your personal finances could save £2,260

Switching mortgages, loans, credit card and other personal finances can save the typical UK household thousands of pounds, according to Moneysupermarket.


Homeowners unprepared for Winter damage

Less than half (48.7%) of homeowners plan to ensure their property is adequately prepared for the forecast cold snap.


Guide to Mutual Lenders

This Guide to Mutual Lenders explains what they can offer to mortgage borrowers


BLOG: What’s the Olympic legacy for housing?

Graham Felstead, head of intermediary channel at NatWest Intermediary Solutions, looks at how the Olympics impacted the housing market in the host boroughs.

save money ideas

10 smart money saving suggestions

Austerity Britain is here to stay for a while. So we suggest 10 smart ways to save money without making too many sacrifices

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If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

Paula is CeMap qualified.

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