Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance or boiler insurance. Property is insured in two main ways - open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided. The more common named perils include such damage-causing events as fire, lightning, explosion and theft.

Amongst the various mortgages you can select from these days are fixed rate mortgages, variable rate mortgages, tracker mortgages, offset mortgages, discount rate mortgages, adverse credit mortgages, and buy to let mortgages. Whether you have a good or a poor credit rating there are plenty of mortgage lenders to select from, although those with a bad credit history will generally have to pay higher rates of interest on their borrowing compared to those with a good credit history.