household insurance

As with everything we do, we like to offer the personal touch, no two buildings and their contents are the same. We invite you to contact us with your Household Insurance list of requirements; we will then search through the leading insurers to obtain cover tailored to your specific Household Insurance needs.

We can offer Household Insurance cover for; Home Buildings Insurance, Home Contents Insurance, Let Property Insurance, Vacant Property Insurance, Refurbished Property Insurance etc. etc. etc.

Check your building sum insured with this House Rebuilding Calculator.

• Value Household Insurance
No nonsense Home Buildings Insurance and or Home Contents Insurance, to give you peace of mind at an affordable price. Homeowners Insurance cover can be tailored to suit your needs including "new for old" replacement or accidental damage. Combine Buildings and Contents Insurance to get further reductions.

• Landlords Insurance
Property Owners Insurance designed for owners of tenanted domestic property, including flats, providing fire & full perils, theft & malicious damage, subsidence, public & property owner’s liability and loss of rent.

• Prestige Home Insurance
For certain clients, standard home insurance isn’t enough. We offer a specialist Prestige Home Insurance service providing higher and wider levels of cover, which is individually, structured around the way you live today and flexibility to adapt to your future needs.

• Vacant & Refurbished Property Insurance
Renovating an old property and selling on for a profit is becoming increasingly popular. We offer cover tailored to your Vacant Property Insurance or Refurbished Property Insurance needs whilst the refurbishment is being carried out to include buildings cover and property owners' liability. Policies are available for both 6 or 12 months cover.

Why not call for your free no obligation quote on 01992 471001 or click the "quick quote" to send us an email and we'll call you right back!

FAQ's

Please note we recommend that you refer any query to your insurer / broker in the first instance.

How do I know how much to insure for buildings cover?
Do I have to specify personal possessions separately?
Is it better to insure the buildings & contents together or separately?
What about my possessions when outside of the home?
My child is away from home staying at university, what about his possessions?
What is meant by "new for old" and "accidental damage"?
At Christmas time my contents sum insured will be higher than at any other time?

How do I know how much to insure for buildings cover? Back to top | Get quote
The sum insured should represent the re-build value of the property and not the re-sale. The only exact way to know is to instruct a surveyor. Alternatively we can quote for a "bedroom rated" sum insured, which would provide cover up to a maximum amount.

Do I have to specify personal possessions separately? Back to top | Get quote
Within the contents section of the policy you will be allocated a percentage for personal possessions / valuables, however if the particular item(s) is of sentimental or high value we would suggest that you specify those items and retain a valuation which is no more than three years old.

Is it better to insure the buildings & contents together or separately? Back to top | Get quote
You will receive a discount (usually between 5-10%) if you combine both buildings and contents cover. This will also provide you with one common renewal date and one point of contact for any policy / claim matters.

What about my possessions when outside of the home? Back to top | Get quote
If you require cover for any item whilst outside of the home you must take specified "all risks" cover per item to be insured.

My child is away from home staying at university, what about his possessions? Back to top | Get quote
Most policies will provide an element of contents cover for students whilst living away from home. Always check with the insurer / broker first and take our separate arrangements for high value items.

What is meant by "new for old" and "accidental damage"? Back to top | Get quote
It is not always possible to replace an old item (TV) with a like-for-like replacement. Therefore in the event of a legitimate claim your insurer will replace your old item with a similar model new one. Accidental damage cover is an optional extension to both buildings and contents cover.

At Christmas time my contents sum insured will be higher than at any other time? Back to top | Get quote
You do not need to worry; most policies will automatically include a seasonal increase in the contents sum insured of between 10 and 25%.