Home Insurance

There are three main types of home insurance: buildings insurance, contents insurance and combined buildings and content insurance.

There are three main types of home insurance: buildings insurance, contents insurance and combined buildings and content insurance.

  1. Building insurance covers the structure of your home such as walls, windows and the roof.
  2. Contents insurance covers the possessions within a home.
  3. Combined building insurance and contents insurance covers both.

Home insurance covers those from theft and protects them against damage that is caused by a number of unseen events such as: flooding, fire and explosions.

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Limited accidental damage is covered under home insurance but a more comprehensive cover for accidents would cost extra. Full accidental cover costs between £20-£100 depending on the policy and value of items. 

Home insurance can be used to cover portable items such as a phone or handbag whilst being outside a home, however there can be restrictions. 

Most insurers will cover a home that is not left unattended for more than 30 consecutive days. 

An excess amount is payable upon a claim, most home insurers have two types of excess: a compulsory excess which insurers set and a voluntary excess amount that is set by the individual.

We work closely with

Here are just some of the life insurance companies we work with to help provide the best protection for you and your family.