Do you have the right buildings insurance in place? 
 
Reviewing your insurance and not letting it roll over each year is so important.  
 
Not just because you may get it cheaper going to an alternative insurer but ensuring the right information is listed on the policy. 
 
An example of this is they type of tenant you have living in the property. If your tenant is in receipt of any form of housing benefit and you have not declared this to the insurance company, the insurance company may not pay out in the event of a claim.  
 
This also goes for referencing your tenants. If you do not do any form of ID, referencing or credit referencing on your tenants (and hold this on file), the insurer may not pay out in the event of a claim as some have this is a prerequisite before agreeing to the policy. 
 
Contact us at HD Consultants and speak to our General Insurance expert Victoria Bennett.  
 
She can review your policy to ensure it is fit for purpose and also give you options for renewal quotes.  
 
HD Consultants does not charge for our insurance advice services. 
 
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H D Consultants. Contact details here Live Chat webpage here Broker Log In / BrokerCentre here 
 
Head Office address; 109 Maldon Road, Colchester, Essex CO3 3AX (Administration Centre only) 
 
Your home may be repossessed if you do not keep up repayments on your mortgage. 
 
We normally charge a Professional Client Fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be £500. The actual Professional Fee may be more or less than this, and is subject to a full Fact Find discussion and research process. H D Consultants is a trading name of Howard Reuben who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd. Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority.. Registered Office: Preston House, 163 High Street, Crowthorne, Berkshire, RG45 7AF. Registered in England & Wales. Company Registration Number 4952586. This site is for UK Consumers only. Website Terms and Conditions click here for our Privacy Policy. GDPR Privacy Policy - click here (PDF download / view) This site contains third party links. By clicking these links you will depart from the H D Consultants' regulated site. H D Consultants nor PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site. The Financial Conduct Authority does not regulate some of the services listed. H D Consultants, mortgage and life insurance advisers, is authorised by the FCA no 403701. Our in house Wills and Trusts Practice is a long standing Member of the Society of Will Writers and Estate Planning Practitioners.  
FP Ref: 1436009 / exp 25.08.2025 
Long established, recognised and national nominees and award winners for our professional mortgage services; 
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