Home Insurance – Peace of Mind for You and Your Property
Whether you own your home or rent, having the right home insurance in place is essential. It protects your property, possessions, and finances from unexpected events like fire, flooding, theft, and accidental damage.
At Mather & Murray Financial, we offer independent home insurance advice to help you find the right cover — at the right price — with support from our team based in Swindon and nationwide.
What Does Home Insurance Cover?
Home insurance generally comes in two parts — you can take them individually or combine them for full protection:
1. Buildings Insurance
Covers the structure of your home — including walls, roof, windows, kitchen, and bathroom fittings — against damage caused by fire, storms, subsidence, flooding, or vandalism. It’s often a condition of your mortgage if you own the property.
2. Contents Insurance
Protects the belongings inside your home — from furniture and appliances to jewellery, electronics, and clothes — against loss or damage caused by fire, theft, or accidental damage. Optional extras can include cover for items outside the home, such as mobile phones or bikes.
Optional Extras You May Want to Consider
Accidental Damage Cover: Helps with unexpected mishaps — such as a smashed TV screen or a wine spill on the carpet.
Personal Possessions Cover: Extends protection to your belongings while you’re out and about.
Home Emergency Cover: Provides fast access to emergency repairs for plumbing, heating, or electrical issues.
Legal Expenses Cover: Helps with legal costs if you need to resolve disputes — such as faulty work, boundary disagreements, or employment matters.
Why Choose Mather & Murray Financial?
Independent advice – We’re not tied to any one insurer, so we can compare policies across the market.
Tailored cover – Whether you live in a new build, period home, rental property or flat, we’ll find the right protection.
Local expertise – Our Swindon-based team understands the local property market and common issues affecting homeowners in the area.
Nationwide appointments – Not based in Swindon? No problem. We offer advice over the phone or in person via our national network of advisers.
How Much Does Home Insurance Cost?
The cost depends on several factors, including:
Your postcode and the type of property
The age and rebuild value of your home
The value of your contents
Your claims history
The level of cover and any optional extras
We’ll help you choose a policy that balances value with comprehensive protection.
Do I Really Need Home Insurance?
If you own your home with a mortgage, buildings insurance is usually required.
If you own your home outright, it’s still important to protect your investment.
If you’re a tenant, your landlord may cover the building — but you’re responsible for protecting your own contents.
Even if you’re extremely careful, accidents and unforeseen events happen. Home insurance ensures you’re not left out of pocket.
Let's Make Sure You're Properly Protected
Whether you’re renewing an existing policy or taking out cover for the first time, our advisers are here to help. We’ll review your needs, explain your options in plain English, and make sure your policy reflects the true value of your home and contents.
Contact our Swindon head office today or book an appointment with a local adviser near you.
