1. Lets have a chat
Tell us about your home and what you’re looking to insure.
Home Insurance
Protect the place you call home.
Whether you’ve just moved in or you’re reviewing your existing cover, we’ll help you find quality Buildings and Contents Insurance that’s right for your home and your budget.
Is this the right place for me?
Your home is one of your biggest investments, so it’s important to make sure it’s protected properly.
We’ll help you understand what’s covered, compare your options and find insurance that gives you confidence without paying for cover you don’t need.
This page is for you if…
- You’re buying your first home.
- You’re moving home.
- Your home insurance is due for renewal.
- You want to make sure your home and belongings are properly protected.
- You’re looking for straightforward advice without the jargon.
How we help
What does the process look like?
2. Understand your needs
We’ll discuss your property, belongings and any specific requirements.
3. Compare your options
We’ll help you find suitable Buildings and Contents Insurance.
4. Arrange your cover
We’ll make sure everything is set up correctly before your policy starts.
5. Enjoy peace of mind
Relax knowing your home is protected.
Why Choose Erskine Financial?
Clear advice, real conversations and support that stays with you from first question to final decision.
- 01Local People.Based in Edinburgh, helping buyers all across Scotland (and beyond!).
- 02No Jargon.We explain things properly, not in mortgage adviser language.
- 03Whole of Market Advice.Access to hundreds of mortgage products from a wide range of lenders.
- 04Start-to-Finish Support.From your first viewing until you collect the keys, we’re with you all the way.
- 05Hundreds of 5-Star Reviews.Real clients. Real experiences. Real results.
Common Questions
Find answers to common questions.
Do I need Buildings Insurance before I complete my purchase?
Your solicitor and mortgage lender will confirm when cover must start. In Scotland this is commonly from completion, while requirements can differ elsewhere in the UK. Buildings Insurance is normally a condition of a residential mortgage.
What’s the difference between Buildings and Contents Insurance?
Buildings Insurance covers the structure of your home and permanent fixtures, while Contents Insurance covers the belongings you would generally take with you when moving. Many households arrange both under one policy.
How much Contents cover do I need?
Estimate the cost of replacing all your belongings as new, including furniture, clothing, electronics, jewellery and items stored outside the main home. We can help you choose an appropriate limit and identify valuable items that need listing separately.
What isn’t usually covered?
Common exclusions can include wear and tear, poor maintenance, deliberate damage and some losses when a home is left unoccupied. Accidental damage, possessions away from home and high-value items may require optional cover. Always check the policy wording.
Can I insure high-value items?
Yes. Jewellery, watches, art, bicycles and other valuable belongings can usually be covered, but items above the policy’s single-item limit may need to be listed individually with an up-to-date valuation.
Should I review my insurance every year?
Yes. A yearly review helps make sure the rebuilding cost, contents limit and optional cover still reflect your home and belongings. You should also review the policy after moving, renovating or buying a valuable item.
Let’s protect your home.
Whether you’re buying your first property or simply reviewing your current insurance, we’ll help you find cover that’s right for you. Book your free chat today.
