Choose UK Sure for your Home Insurance

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Buildings and contents insurance to protect your home.

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Whether you need buildings insurance, contents insurance, or a comprehensive building and contents policy, we compare policies from a wide range of insurers to find the right level of cover for you.

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As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle to even provide a quote.

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Your home is an investment that is worth protecting. After spending so much time and money on your home sweet home, taking care of your investment is 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 extra special rates

 

We provide tailored solutions to all your exact needs, so our range of household insurance policies is wide enough to cover every situation. Here are just some of the situations where we can offer specialist cover.

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Business-related home insurance

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• Landlords insurance: We offer extra special deals for private landlords, including portfolio cover for any number of flats and houses.

• Landlords can get buy-to-let insurance for a range of different situations, including benefit-assisted tenants, blocks of flats, student lets, bedsits, asylum lets, contents cover for landlords

• Property owners: protects your home and its possessions against loss of money from risks such as fire, flood, damage or loss.

• Insurance for blocks of flats and maisonettes: these properties can often cause problems for insurers, but not for us. Speak to us for a quote.

• Home business cover: if you operate a business from home, this cover can help keep your business office equipment and home safe from damage.

• Bed and breakfast insurance: protects your home and contents from the added risks that running a B&B can bring.

 

 

 

Unusual Homes

 

• Park homes: as park homes and chalets soar in popularity, owners can benefit from cover designed for the unique needs of these properties.

• Unoccupied homes: we have special rates for properties in probate or those awaiting refurbishment.

• Second home and holiday home insurance: everything from a chalet to a large second house in the country.

• High net worth houses: this covers period properties, high-value dwellings, and contents, as well as antiques and valuables.

• Listed buildings and Victorian homes cover.

• Thatched roof insurance: we cover all types and styles of thatch.

• Flat roof insurance: sourcing this type of cover 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.

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Home Insurance

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Home insurance protects your home and its belongings. It can cover the cost of repairing or rebuilding your home if it's damaged by things like fire, storm or flood. And it can cover the cost of replacing the things 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 and includes fixtures and fittings.

• Contents insurance. This covers your personal items while they are inside your home.

• Combined. Both types of cover in one policy.

 

 

How does home insurance work?

 

Home insurance helps cover the cost 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 might be able to help put it right.  The amount you pay will depend on the level of cover you need.

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• 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 things. For example, if your home has been broken into, and they’re stolen, it can cover the cost of replacing them. Or if your things are damaged in a flood, it can cover the cost of repairing or replacing them.

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Home insurance isn’t for things like the upkeep of your home or for routine decorating. It’s also not there to cover you for ‘wear and tear’.

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Types of policies

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Home insurance is made up of Buildings and Contents cover. If you own your home, it can be a good idea to have both types of cover as a combined policy, so you know everything is covered in one place.

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Limits, terms and exclusion apply to all home insurance policies.

It’s important that you 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. It includes the roof and walls, and fitted kitchens and bathrooms.

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Outside the home, buildings insurance covers its outbuildings like garages and sheds, and drains and pipes if you're responsible for them.

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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.

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Contents Insurance

Contents insurance covers the things inside your home. These are things you'd normally take with you if you moved house.

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It can cover things like:

• Freestanding furniture, like wardrobes and cabinets.

• Beds.

• Sofas.

• TVs.

• Video game consoles.

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Contents insurance covers you against the cost of repairing damage caused by events such as:

• Fire.

• Floods.

• Storms.

• Theft.

 

 

 

What kind of home insurance do you need?

 

he kind of cover you need depends on whether you own or rent your home:

• If you are a homeowner, then combined buildings and contents insurance covers both your home and the things in it.

• If you rent, you'll only need contents insurance. This will cover items owned by you. Your landlord will arrange buildings insurance.

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