Home Insurance Sleaford

Independent advice on buildings and contents cover for homeowners across Sleaford and Lincolnshire.

Protecting your home, mortgage and belongings

Your home is likely your most valuable asset, and your mortgage lender will expect you to have at least buildings insurance in place. Home insurance provides financial protection if the unexpected happens — from fire or flood to burglary or accidental damage.

Types of cover usually include:

Buildings insurance: Covers the structure of your home, from walls and roof to permanent fixtures like fitted kitchens and bathrooms.
Contents insurance: Protects possessions inside the home such as furniture, clothing, and electronics.
Combined policies: Buildings and contents cover bundled together for simplicity.

Optional extras may include accidental damage, legal expenses, home emergency cover or landlord insurance if you rent property out. At Spolton Mortgages we explain the differences and compare quotes, ensuring cover meets both your lender’s requirements and your own peace of mind.

It’s worth comparing home insurance alongside other protection services such as life insurance or income protection, to make sure your family and finances are fully protected. For impartial background, see MoneyHelper’s home insurance guide.

Unbiased Advice

Dedicated to providing trusted advice, we believe financing your home should be exciting and stress-free. Here’s just some of the lenders we work with;

We access the whole of the mortgage market to find the best mortgage to suit your needs.

Independent guidance on home insurance

Whole-of-market: We compare a wide panel of insurers to find policies that fit your property and lifestyle.
Mortgage-ready cover: Ensure policies meet lender requirements for buildings insurance.
Tailored protection: From landlord cover to accidental damage, we match policies to your needs.
Linked advice: We’ll integrate home cover with family protection and other insurance needs.
Local expertise: Understanding flood-prone areas, rural risks and market values across Lincolnshire.

How we arrange home cover

We explain what’s required by your lender, compare policies, and make sure cover matches your property and risks.

Review & assess

We check your mortgage needs, property type and local risk factors.

Compare & recommend

We compare policies from multiple insurers, highlighting features, exclusions and optional extras.

Apply & arrange

We manage the application, confirm documents and ensure your cover is valid from day one.

Home insurance in Lincolnshire — local risks and costs

Insurance premiums are shaped by local factors such as crime rates, flood risk and property values. ONS data (July 2025) shows average prices of £237,000 in North Kesteven (Sleaford) and £184,000 in Lincoln. Higher rebuilding costs usually mean higher premiums for buildings cover.

Sleaford & NG34: Properties range from newer estates to older cottages; rebuild values and listed building status affect cover requirements.
Lincoln & Boston: Some postcodes are on flood plains; insurers may require Flood Re-backed policies — see Flood Re for details.
Grantham & Newark: Commuter towns with higher-value homes often need higher sums insured and optional accidental damage cover.
RAF bases (Cranwell, Waddington, Coningsby): Forces families moving frequently may benefit from flexible contents policies covering moves and temporary postings.

We’ll tailor advice to local risks, ensuring your buildings and contents insurance matches your property, location and budget.

We are family

Spolton Mortgages is a family mortgage broker founded by Nick and Kasia Spolton.

From our office in Sleaford, we provide mortgage and mortgage protection advice.

Well-known, and respected for providing trusted advice, we started by helping people find mortgages in Lincoln, Sleaford, and throughout Lincolnshire. Now we find ourselves helping people across the whole of the UK.

Our carefully selected panel of insurance providers

What our customers think

Useful Links

Trusted resources for home insurance:

MoneyHelper – Home insurance explained

ABI – Association of British Insurers – Home cover guide

Flood Re – Flood insurance scheme

Citizens Advice – Household contents insurance

Citizens Advice – Buildings insurance

FAQs

Is buildings insurance compulsory?

If you have a mortgage, your lender will usually insist on buildings insurance to protect the property structure.

Do I need contents insurance?

It’s optional but highly recommended to protect belongings against theft, fire or damage.

What is Flood Re?

It’s a government-backed scheme making flood insurance more affordable in high-risk areas.

Can I get home insurance if I rent?

Tenants don’t need buildings insurance but should consider contents insurance to cover their belongings.