Home Insurance

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Home Insurance Whatever you call home, whether it’s a three-bedroom semi, a country cottage, or a penthouse apartment, our panel of leading insurers find you the best price for home and contents insurance

With Buildings and Contents Insurance, your
home and your treasured possessions will be well-protected from the unexpected. It's so simple to arrange.

House Insurance Cover With us, it's simple – we supply secure policies that guarantee peace of mind in your time of need. You can tailor a policy to suit your needs. You can choose your home insurance requirements from the list below:

  • Buildings Insurance only
  • Contents Insurance only
  • Buildings & Contents Insurance
  • Accidental Damage
  • Home Emergency Cover
    (Provides assistance from a sudden event that needs immediate attention)
  • Legal Cover ( Upto £50,000 to cover your legal costs for negotiating or defending your legal rights in respect of Legal Defence/Employment Disputes/Contract disputes/bodily injury/clinical negligence/property protection.)
  • Personal possessions cover (away from your home) Gold and silver jewellery/ fur/pedal cycles/mobile phones/sport equipment/photographic equipment.
  • Landlords Insurance / Buy to Let Insurance


What sort of cover can you offer me?
We can protect all the things that matter to you. Choose from Buildings, Contents and Personal Possessions*. You can find more details in the summary of cover and the policy wording.

*We can only include Personal Possessions in your cover if you have already chosen our Contents policy.

Do I have to get home insurance?
There is no law requiring you to have home insurance, however, your mortgage provider will most likely require you to get some level of coverage. Check any documentation that came with your mortgage for the terms you’re obligated to follow.

What is content and building insurance?
Contents insurance is a policy that pays for the repair or replacement of items within your house. These items may even be protected if they leave the house, for example: if a son or daughter takes items with them to university.

Building insurance is protection for anything that is part of the fabric of the building. The policy will pay out to repair or replace damaged parts of the building and will even pay out to replace the house, if need be.

How much does home insurance cost?
The cost of home insurance can vary greatly. It depends on what level of coverage you want, the home’s location the value of the building and its contents.

Location can play an especially important role if you live in a high crime area or one prone to flooding.

What is voluntary excess? This is the amount that you agree to pay for any claim made, and your insurer will cover the rest. The amount varies from insurer to insurer. The more you agree to pay as a voluntary excess, the lower your premiums will be.

Is the replacement cost the same value as the sale price? No. If something in your house, or the house itself, needs to be replaced then you will receive the current market value. In the case of your house itself this means the sum could be considerably higher than what you paid. For certain items in your house, particularly computers, the sum you receive to replace it could be drastically lower, as the price of such items has dropped over time and will be less now than when you bought it.

What is a valuable?
When we refer to "valuables" we mean:
  • Coin, stamp, medal collections
  • Pictures and other works of art
  • Items of gold, silver and other precious metals
  • Jewellery, watches and furs
  • Antiques (not including furniture) and collectables

What if I needed to claim at 2 o'clock in the morning?
Well YES you can. The insurers helplines are available 24 hours a day 365 days a year.

What isn’t included in the insurance? Most insurers will have standard clauses that exempt them from paying out in the event of war, terrorism or invasion, but there may be more exemptions and it’s always best to check your policy for details.

Common exclusions for buildings insurance include:
  • Wear and tear on your property or contents.
  • Leaving the property empty for a long period (your insurer will stipulate the amount of time).
  • Damage caused by flooding or subsidence if your area suffers from it severely.
  • Damage or loss that occurs before you take out the policy.
  • Deliberate acts caused by you or any other person lawfully in your home.

Common exclusions for home contents insurance include:
  • Damage caused by your neglect
  • Costs of routine wear and tear
  • Smoke damage
  • Damage caused by pets