Call us
01242 697821

Blogs

Keep up to date with the latest news and our guides on all things mortgages. 

With Home Insurance premiums on the rise, here are some free ways to freshen up your home!

There has been a 6% increase in combined buildings and contents insurance since last year. In the current economic climate, inflation is affecting everything, and homeowners across the UK are feeling the pinch—making peace of mind more critical than ever.

 

We are constantly scanning the market to find the best insurance deals, so contact us to see if we can secure a better policy for you.

 

It's more important than ever to understand your policy and ensure you’re getting the best value for your money, as well as the right level of protection for your property and possessions. Inflation, extreme weather, rising building material costs, and fraudsters making fake claims are all driving up premiums. Consider factors such as location, home size, age and type of residence, rebuild value, and personal belongings, as these will all affect your premiums.

 

When it comes to your contents policy, don’t forget to include everything you’d need to replace within the house—from carpets and appliances to furniture, bikes, laptops, phones, and jewellery. It may be wise to add extra protection for high-value items.

 

However, with premiums (and most things!) on the rise, updating your home doesn’t have to be expensive. Here are some free or low-cost ideas to refresh your space:

  1. Change the layout of your furniture to create a new look and improve the room’s flow. You can find furniture for free on Facebook Marketplace or ask friends and family if they want to swap furniture, lighting, or even art.
  2. Get rid of items you no longer need or use. Decluttering can make your space feel larger and more open.
  3. A thorough cleaning can make a huge difference—pay attention to details like skirting boards, windows, and carpets.
  4. Consider DIY artwork. Create your own pieces using materials you already have at home—frame old photos, make collages, or repurpose fabric as wall hangings.
  5. Why not try repurposing and upcycling? Turn old items into something new, such as using old jars as vases or storage containers.
  6. Swap bedding, throw pillows, or curtains between rooms for a fresh look.
  7. Create a feature wall using photos, postcards, or artwork to form a gallery wall.
  8. Use plants or branches from your garden or a nearby park to decorate your space—even a simple vase with flowers can brighten up a room.
  9. Rearrange or add mirrors to create the illusion of more space and light—placing them in front of windows or doors can bring in extra light.
  10. Refresh your home with natural scents like citrus peels or herbs.

These small changes can make a big impact without breaking the bank. Have you tried any of these tips? We’d love to hear what else you’d recommend.

 

When it comes to home insurance, being well-informed about the factors that influence your premiums—and understanding the actual value of your property—can lead to significant savings. It’s crucial to ensure you have adequate protection in place.

 

With the right approach and our assistance, you can compare home insurance coverage, costs, and value, securing a policy that meets your needs and fits your budget, even in the face of rising inflation.

 

Remember, home insurance offers peace of mind, knowing that your home and possessions are well protected. Do you need help with your home insurance? We can refer you to a trusted partner.

 

SPEAK TO AN ADVISER

Sourceshttps://www.moneysupermarket.com/home-insurance/cost-of-home-insurance/

 

Related

A new Bank of England base rate rise. Is now a good time to remortgage?

A new Bank of England base rate rise. Is now a good time to remortgage?

August 4th saw yet another Bank of England Base Rate hike, this time to 1.75% and evidently these ri...

Read More >
Your dream garden can be within reach – unlock the equity in your home

Your dream garden can be within reach – unlock the equity in your home

Spring is just around the corner, and with the promise of warmer days and blooming flowers, many hom...

Read More >
Show your finances some love

Show your finances some love

Just like any meaningful relationship, building a strong connection with your finances requires time...

Read More >
Mortgage Life Insurance. Decreasing Term vs Level Term

Mortgage Life Insurance. Decreasing Term vs Level Term

When we think about life insurance, we typically think of the large cash pay outs should the worst h...

Read More >
Unlocking financial freedom in retirement

Unlocking financial freedom in retirement

Retirement is meant to be a time to relax and enjoy after years of hard work. However, for many, the...

Read More >
CASE STUDY: The rise of the “Silver Splitters”

CASE STUDY: The rise of the “Silver Splitters”

While many of us may have become incensed by or frustrated with our spouses during the last two year...

Read More >

What our clients say...

Latest Blog

Key Changes to Stamp Duty

As of April 1, 2025, significant changes to the UK's Stamp Duty Land Tax (SDLT) have come into effec...
Read More

Here are some tips for managing bills and finances when you don’t have a regular income

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Look after your health to ensure you are ready to work

Managing money and bills self-employed can feel like a juggling act. Especially since you don't have...
Read More

Is equity release available for the self-employed?

Are you self-employed, retired, or unemployed and looking for equity release? Are you wondering if y...
Read More

Why income protection & critical illness cover are extra important for the self-employed

If you're self-employed in the UK, income protection and critical illness cover are extra critical. ...
Read More

Do you need extra building and content insurance policies in place if you work from home?

Maybe you've spent a bit of time putting together your business. Now everything is going well, you w...
Read More

Can I get a mortgage if I’m self-employed? Plus other commonly asked employment questions

Work habits in the UK continue to evolve and change. And so, the mortgage industry is addressing con...
Read More

Health Insurance and Buying a New Home: Why They Go Hand in Hand

Buying a new home is an exciting milestone but also a significant financial commitment. While health...
Read More

Selling this spring? Top tips to get your house ready for sale!

Firstly, let’s ask, how does your house look from the street? First impressions are so important wh...
Read More

What insurance do you need to buy a home?

Are you buying a home in 2025? You’ve sorted out your finances, found the perfect home to buy, and ...
Read More


Fairview Financial Ltd is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Fairview Financial Ltd is registered in England and Wales no: 10912424. Registered office: 107 Promenade, Cheltenham, GL50 1NW.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

Our Fees        

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


  • Back to top