Home Insurance

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 insuring your home.

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Building and Contents Insurance​

We provide tailored solutions to meet your 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 Insurers often face challenges with these properties, but not us. Contact 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.

 

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 covers everything from a chalet to a large second house in the country.

 

High-net-worth homes This covers period properties, high-value dwellings, and their contents, including antiques and valuables.

 

Non-standard homes include Listed buildings and Victorian homes, Thatched roof homes (we cover all types and styles of thatch), flat roof homes, and Flats above shops or commercial premises!

 

Houses with unusual constructions such as wood-built homes, log cabins, and chalets.

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How does Home Insurance work?​

There are two main types of home 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 covers the items inside your home that 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 also protects you against the cost of repairing damage caused by events such as:​

• Fire

• Floods

• Storms

• Theft 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'.​

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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 your home and its items.

If you rent, you'll only need contents insurance covering items you own. Your landlord will arrange building insurance.