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OCR: Insurance T here are 2 kinds of insurance your lender will strongly recommend and both can be organised by your lender. Buildings Cover, for protection of physical property Life cover, for you, you and partner it's a joint purchase It is likely that you will also want to take out at least some of the following insurance policies:- Mortgage payment protection insurance; which the Lender can arrange ai the same time as your mortgage, and which covers monthly mortgage payments you can't work due to an accident, illness or unemployment Next Back insur ance