home insurance
Home insurance.
Because life happens.
Life's unpredictable. Your home insurance shouldn't be. Whether you want to insure your home, your belongings, or both, we will find the right cover to suit your needs when the unexpected happens.
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home insurance advisers
Why choose us
Life's unpredictable. But your home insurance doesn't have to be. We'll help you find a policy that protects what matters most to you
Save Time
Don’t waste your valuable time researching home insurance plans and completing lengthy application forms. We’ll take care of it for you.
Save Money
We'll offer recommendations for your specific needs and circumstances. This ensures you're not paying for unnecessary coverage.
Get Exclusive Rates
By comparing plans from multiple insurance providers, we'll aim to find the right home insurance quotes to keep your home protected.
buildings and contents insurance
Do you need home insurance?
Home contents insurance is essential for protecting your belongings. It covers fires, thefts, and accidental damage, replacing lost or damaged items can be costly.
Home and contents insurance policies cover your home and your treasured possessions. You may also know this type of insurance as buildings and contents insurance, they are both same type of policy.
Contents insurance protects your household goods and personal possessions, such as electrical goods, jewellery, clothes and furniture. You can usually add various options to your contents insurance.
Buildings insurance covers the building itself against things like fire or flood It will also cover permanent or fitted fixtures and fittings in your home and garden, and any outbuildings that form part of your home
The house you live in is one of the most valuable possessions you own. Your home contains all your belongings, memories, and comforts. Therefore, ensuring it is fully secured is one of the most important things you can do.
Even with the most comprehensive security protection measures in place, we know that theft, damage, and natural disasters will always be a possibility. There are many ways in which these things can affect us and destroy our homes. Home insurance will protect your home from any of these issues.
Taking out home insurance is not legally required, but lenders may ask that you take out buildings cover if you wish to obtain a mortgage or remortgage
What is it?
Home insurance, also known as homeowners insurance or buildings and contents insurance, is a type of insurance that provides financial protection against unexpected losses or damages to your home and its contents.
Accidental damage
Most contents policies will automatically cover you for the consequences of specific events, such as flood and fire. But not all will include `accidental damage’ as standard, so check your policy carefully.
Quality vs cost
The old saying 'you get what you pay for' often holds true for home insurance policies. It might be tempting to go with the cheapest premium, but are you sure your insurer will be there when you need them?
Valuable items
If you take valuable items away from your home regularly, you should consider personal possessions cover. When travelling abroad, items such as gadgets,watches and jewellery won’t be covered.
Find home insurance
We can help you get the right cover to protect your home and your treasured possessions from a wide range of unexpected events.
property insurance
Do I need insurance
While not mandatory, it's highly recommended as it provides financial protection against unexpected events that could damage your home or property
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Find home insurance Dealing with insurance can be time-consuming. An adviser can handle the paperwork and negotiations on your behalf.
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Simplify the process Let us handle the paperwork and insurance plans, so you can focus on the more exciting things in life.
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Advice made for you: We'll assess your specific needs and recommend the most suitable home insurance options for your situation.
how to get protection
Lets get you covered
Advice whenever you need it
Get expert insurance advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
However you want
You can chat via phone, video call or face to face
house insurance advice
Home insurance questions
Home insurance is a type of property insurance that protects your home and its contents against damage or loss caused by unexpected events. You may also know this as Buildings & Contents insurance which covers the structure of your home and its contents.
Home insurance typically covers:
- Damage to your home's structure due to fire, storms, theft, vandalism, and other perils.
- Loss of personal belongings within your home.
- Liability coverage for injuries or property damage caused by you or your family members.
Home insurance generally doesn't cover:
- Flood damage (requires separate flood insurance).
- Earthquake damage (requires separate earthquake insurance).
- Normal wear and tear.
- Intentional damage caused by you or your family.
Here are some reasons why using an insurance adviser for home insurance can be beneficial:
Expertise and Knowledge: Insurance advisers have in-depth knowledge of the insurance market and can help you understand complex policies and terms.
Personalised Advice: They can assess your specific needs and recommend the most suitable coverage options for your situation.
Competitive Pricing: Insurance advisers often have access to multiple insurance providers, allowing them to compare prices and find the best deals for you.
Time-Saving: Dealing with insurance can be time-consuming. An adviser can handle the paperwork and negotiations on your behalf.
The amount of home insurance you need depends on the replacement cost of your home and the value of your belongings. It's recommended to get a home insurance adviser to determine the correct amount, it can be an expensive mistake to take cheap insurance and not be fully covered.
Accidents happen, but being prepared can save you stress and save you money. If you need to file a home insurance claim, contact your insurance company immediately and follow their specific instructions. Be prepared to provide documentation, photographs and details about the incident.