HOME BUILDER is a Mortgage Payment Protection Insurance that helps to cover your mortgage repayments for up to 12 months per claim if you are prevented from earning due to an accident, sickness or involuntary unemployment. The maximum monthly benefit payable is £3000.
There are some things that you are not covered for. These are generally anything you already knew about when applying for the policy or anything that is caused by deliberate or illegal acts on your part, ie;
Any sickness, condition or injury whether diagnosed or not about which you knew or should reasonably have known at the policy start date or had seen or arranged to see a doctor during the 12 months prior to the policy start date.
In respect to unemployment, this will only apply if you become out of work directly due to circumstances beyond your control and of which you had no previous knowledge.
Full details can be found in the policy details page. You must read through this document to ensure the policy is suitable for you.