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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 it comes to insuring your home.
Building and Contents Insurance
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: 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: 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.
Non-standard homes like: Listed buildings and Victorian homes, Thatched roof homes (We cover all types and styles of thatch). Flat roof homes, Flats above shops, or commercial premises!
Houses with unusual constructions: Such as wood-built homes, log cabins, and chalets.
Meet the team
How does Home Insurance work?
Home emergency policy
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 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:
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Fire
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Storms
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Theft or attempted theft
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Vandalism
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Subsidence
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Moving objects, including vehicles, falling trees, or lamp posts
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:
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Freestanding furniture, such as wardrobes and cabinets
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Beds
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Sofas
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TVs
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Video game consoles
Contents insurance also protects you against the cost of repairing damage caused by events such as:
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Fire
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Floods
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Storms
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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’.
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.
Meet the team
Frequently Asked Questions
Question: What is the meaning of home insurance?
The idea of home insurance is to pay you enough money to repair or replace items if things go wrong. This could include: replacing stolen items after a burglary. repairs due to storm damage.
Question: What does home insurance typically cover?
Standard policies usually cover the building structure, contents inside, liability coverage, and additional living expenses if your home becomes uninhabitable.
Question: Do I need both buildings and contents insurance?
Yes, if you own your home. Buildings insurance covers the structure, while contents insurance covers personal belongings.
Question: Is home insurance mandatory in the UK?
It’s not legally required, but mortgage lenders usually require buildings insurance.
Question: Can I get home insurance if I rent?
Yes, tenants can get contents insurance to cover their belongings. The landlord usually insures the building.
Question: How is the premium calculated?
Premiums are based on factors like property value, location, security features, claims history, and level of cover.
Question: Does it cover accidental damage?
Accidental damage isn’t always included but can often be added as an optional extra.
Question: What is a home insurance excess?
It’s the amount you agree to pay out of pocket when making a claim. A higher excess usually means lower premiums.
Question: What should I do if I need to make a claim?
Contact your insurer as soon as possible with evidence (photos, receipts) and details of the incident.
Question: Will my premium go up after a claim?
It can, depending on the nature and cost of the claim.
Do you have a question about home insurance?
Submit your question here
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How our customers rate us
Serviço personalizado e muito atencioso para com os pedidos dos clientes
Ana Costa De matos
2025-05-07
Carlos Wilker
2024-11-20
Muito bom, fiquei satisfeito!
Ricardo Ribeiro
2024-11-11
very happy with the services provided, they help with everything we need and are always available to help us and clarify any doubts, super grateful for the help and work they do to help us get everything done, I love it and I recommend it