Why mortgage advisers should include home insurance in their sales process. Start now to build it into your 2026 strategy
As the New Year approaches, there’s no better time for mortgage advisers to make home insurance part of their client journey for 2026. Premiums are trending downward, creating the perfect opportunity for clients to review both their cover and cost, not just for savings but to ensure they are correctly protected. Building this into your process now sets you apart and positions you for success in the year ahead.
1. A Natural Extension of Client Care
Homeownership isn’t just about securing the right mortgage it’s about safeguarding the property and everything inside it. By offering home insurance alongside mortgage advice, advisers position themselves as holistic advisors who protect both financing and the home itself.
2. Falling Premiums = Better Deals and Better Protection
Recent data shows the insurance market is becoming more competitive:
- Average combined home insurance premiums fell from £391 in Q2 2025 to £384 in Q3 2025 (ABI).
- Quoted premiums dropped 7.9% year-on-year, with some regions seeing reductions of 10% or more (Consumer Intelligence).
This isn’t just about saving money, it’s about making sure clients have the right level of cover. Many homeowners are unknowingly underinsured, leaving them exposed if the worst happens. Advisers can help clients review their policies to ensure they’re adequately protected while taking advantage of lower premiums.
3. Increased Revenue and Client Retention
Cross-selling insurance creates additional income streams and strengthens client loyalty. When advisers provide a one-stop solution, clients are more likely to return and refer others.
4. Compliance and Risk Management
Mortgage lenders require proof of adequate home insurance before completion. Managing this process reduces delays and ensures compliance, creating a smoother experience.
5. Standing Out in a Competitive Market
In a crowded environment, advisers who go beyond the basics stand out. Offering home insurance demonstrates added value and commitment to client well - being, qualities that resonate strongly with today’s clients.
The Bottom Line
With premiums falling and clients eager to save money, there has never been a better time for mortgage advisers to integrate home insurance into their sales process for all clients whether it is a new purchase or remortgage. Help clients review their cover for correct protection and potential savings, it’s a win-win: peace of mind for them, stronger propositions and revenue streams for you.
Start Now
As 2026 approaches, make home insurance part of your process and position yourself as a complete solution provider.
Register now for our enhanced broker portal Work With Us - First2Protect or contact the team on 01392 849788 to find out how the offering at First2Protect can help to add value to both you and your clients
