Save time and money with affordable Home Insurance
Buildings and contents insurance to protect your home.
Whether you need buildings insurance, contents insurance, or a building and contents policy, we compare policies from a wide range of insurers to find the right level of coverage for you.
As a specialist insurance broker, we can secure coverage for even the most unusual homes, often at great rates where other companies may struggle to provide a quote.
Your home is an investment worth protecting. After spending so much time and money on your home sweet home, taking care of your investment should be your top priority. With all the stress of moving to handle, you can relax when it comes to insuring your home.
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Specialist home insurance with exceptional rates
We provide tailored solutions to meet your exact needs, ensuring our range of household insurance policies covers every situation. Here are just some scenarios where we can offer specialist coverage.
Business-related home insurance
- Landlords insurance: We offer special deals for private landlords, including portfolio coverage for any number of flats and houses.
- Landlords can obtain buy-to-let insurance for various situations, including benefit-assisted tenants, blocks of flats, student lets, bedsits, asylum lets, and contents coverage for landlords.
- Property owners: Protect your home and possessions against financial loss from risks such as fire, flood, damage, or loss.
- Insurance for blocks of flats and maisonettes: These properties can often pose challenges for insurers, but not for us. Speak to us for a quote.
- Home business cover: If you operate a business from home, this coverage can help protect your business office equipment and home from damage.
- Bed and breakfast insurance: Protects your home and contents from the additional risks that running a B&B can bring.
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Unusual Homes
- Park homes: As park homes and chalets grow in popularity, owners can benefit from coverage designed for the unique needs of these properties.
- Unoccupied homes: We offer special rates for properties in probate or those awaiting refurbishment.
- Second home and holiday home insurance: Coverage for everything from a chalet to a large second house in the country.
- High net worth homes: This covers period properties, high-value dwellings, and contents, including antiques and valuables.
- Listed buildings and Victorian homes coverage.
- Thatched roof insurance: We cover all types and styles of thatch.
- Flat roof insurance: Sourcing this type of coverage can be tricky, but we can help.
- Flats above shops or commercial premises.
- Houses with unusual constructions, such as wood-built homes, log cabins, and chalets.
Home Insurance
Home insurance protects your home and belongings. It can cover the cost of repairing or rebuilding your home if it's damaged by events like fire, storms, or floods. It can also cover the cost of replacing items in your home if they're stolen or repairing or replacing them if they're damaged.
There are three main types of home insurance:
- Buildings insurance: This covers the structure of your home, including fixtures and fittings.
- Contents insurance: This covers your personal items while they are inside your home.
- Combined: Both types of coverage in one policy.
How does home insurance work?
Home insurance helps cover the costs if something happens to your home or belongings. You pay an amount each month or once a year, so if something goes wrong, an insurer may help put it right. The amount you pay will depend on the level of coverage you need.
- Buildings insurance covers you if something happens to your home. For example, if there’s a fire, it can help cover the cost of repairing or rebuilding your home.
- Contents insurance covers you if something happens to your belongings. For example, if your home is broken into and items are stolen, it can cover the cost of replacing them. If your belongings are damaged in a flood, it can cover the cost of repairing or replacing them.
Home insurance isn’t for the upkeep of your home or routine decorating. It also doesn’t cover you for ‘wear and tear’.
Types of policies
Home insurance consists of Buildings and Contents coverage. If you own your home, it can be a good idea to have both types of coverage as a combined policy, ensuring everything is covered in one place.
Limits, terms, and exclusions apply to all home insurance policies. It’s important to check your policy documents to see what is and isn’t covered.
Buildings Insurance
Buildings insurance covers the structure of your home and its fixtures and fittings, including the roof, walls, and fitted kitchens and bathrooms.
Outside the home, building insurance covers outbuildings like garages and sheds, as well as drains and pipes if you're responsible for them.
It covers the cost of rebuilding or repairing your home if it's damaged by events such as:
- Fire
- Storms
- Theft or attempted theft
- Vandalism
- Subsidence
- Moving objects, including vehicles, falling trees, or lamp posts
Contents Insurance
Contents insurance covers the items inside your home, which are things you'd normally take with you if you moved.
It can cover items like:
- Freestanding furniture, such as wardrobes and cabinets
- Beds
- Sofas
- TVs
- Video game consoles
Contents insurance protects you against the cost of repairing damage caused by events such as:
- Fire
- Floods
- Storms
- Theft
What kind of home insurance do you need?
The type of coverage you need depends on whether you own or rent your home:
- If you are a homeowner, combined buildings and contents insurance covers both your home and the items within it.
- If you rent, you'll only need contents insurance, which covers items owned by you. Your landlord will arrange building insurance.