Household Insurance

We are able to offer competitive, comprehensive cover to protect both the buildings of your house and your treasured contents inside, with many leading insurers.

Whether you are just staring out with your first home or need to insure the family heirlooms, we can offer a policy tailored to your needs.

Buildings Insurance

Home buildings insurance as the name would suggest, protects the structure of your home including outbuildings, drives, patios etc.
The amount your insure your home for should reflect the amount it would cost to rebuild the home and outbuildings which is not necessarily the same as the market value of the property.
Cover can be arranged on what is known as a Fire and Perils basis which will protect you against most major catastrophes such as a fire or burglary, or on a full Accidental Damage basis, providing wider protection against any accidental damage.

Insured with your Mortgage Lender?

Many people, when buying their home do so with a mortgage and may feel they have to purchase the mortgage lenders' insurance products. This is not usually the case!
In our experience, we can often provide similar cover at up to 30% less than that charged by the lender.
The policies we provide are all from insurers who are members of the Association of British Insurers (ABI) whose wordings are approved by all of the major mortgage lenders.
If your lender makes a charge to switch insurers, in some cases we can even refund this up to £25.

Contents Insurance

Contents insurance can be arranged to protect your possessions against loss or damage and again we can offer tailor made policies to suit your individual needs.
Cover can be provided to protect you against a catastrophe and if you wish, any accidental damage, such as a spill on the carpet or dropping your specs.
Cover can also be arranged in addition to protect your belongings whilst they are with you away from your home, for example whilst you are on holiday or at the golf club.

We can offer many schemes from major insurers, many of whom offer policies which provide a sum insured of £30,000 or £40,000 automatically and base the premium on the number of bedrooms your property has. This can therefore eliminate the worry of trying to calculate the value of all of your contents yourself and prevent under-insurance problems.

Some insurers now offer discounts if you combine both your Buildings and Contents together under one policy.