Home Insurance
At RSC, we understand how important it is to protect your most valuable asset – your home.
We work closely with our partners, First2Protect Insurance Services, who specialise in providing comprehensive buildings and insurance cover.
Buildings and Contents Insurance
If you are already a homeowner, or first time buyer, buildings insurance is a condition of a mortgage offer.
Contents insurance is not compulsory and covers your possessions – basically the things you take with you if you move, such as furniture, clothes and electrical items, if they are damaged, lost or stolen.
New Build Warranty
When moving into a new build home, your home will come with a New Build Warranty Cover. NHBC is the UK’s leading independent standard setting body and provider for new homes and Buildmark is their build warranty.
Most mortgage lenders will not lend unless there is a Buildmark warranty in place. During the first two years of the warranty the builder is liable for putting right any problems with your home if they have failed to comply with NHBC standards.
What does Buildmark Warranty cover?
It is important to remember that The NHBC Buildmark warranty only covers you against repairs that are needed due to poor workmanship. If anything else goes wrong in your new build home, such as flooding your ten-year warranty will not cover this.
It is vital you have in place the correct insurances as some lenders may demand that you have buildings insurance from the day you exchange.
Protecting your new home
First2Protect can guide you to which option is best suited and what is covered by each.
Buildings Insurance
This cover protects the bricks and mortar of your home.
- Water leaks
- Oil leaks
- Impact-free falling
- Theft
- Subsidence
- Storm damage
- Flooding
- Fire
Contents Insurance
This is cover for damaged or stolen items within the home. In the event of a claim you will get the item(s) replaced or the money to replace them.
Damage may happen as a result of:
- Accidents
- Fire
- Storms
- Theft
- Vandalism
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
If we arrange a mortgage on a property from one of our associated new homes developers we will waive our fee, otherwise there may be a fee for mortgage advice. The actual amount you pay is dependent upon the amount of research and administration that is required and a typical fee is £395 which would become payable on application. We will also receive commission from the lender in addition to any fees you pay.
RSC will receive a referral fee from First2Protect for recommending their services. You are not under any obligation to use the services of First2Protect.
RSC New Homes Ltd, 1st Floor, Landmark House, Station Road, Cheadle Hulme, Cheshire, SK8 7BS
Telephone: 0161 486 6278
RSC New Homes Ltd Registered Address: 1st Floor, Landmark House, Station Road, Cheadle Hulme, Cheshire, SK8 7BS.
Registered in England and Wales. Company number 8415945
RSC is a trading name of RSC New Homes Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited. First Complete Limited is authorised and regulated by the Financial Conduct Authority.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
The Financial Conduct Authority does not regulate all Buy to Let mortgages.