We’ve got you covered
Home insurance protects your home and its belongings. It can cover the cost of repairing or rebuilding your home if it’s damaged by things like a fire, a storm or a flood.
It can cover the cost of replacing the items in your home if they need repairing or replacing due to damage, or if they are stolen.
Building insurance covers damage to the physical structure of your home and any permanent fittings or fixtures.
Contents insurance covers the contents within your home against loss, damage or theft.
You can take each out as a separate policy or as a combined policy from the same company.
It is usually a condition of the mortgage that you have Building Insurance in place when you take out any type of mortgage or remortgage.
As with all insurance policies, conditions and exclusions will apply. What’s covered will vary from insurer to insurer, so it’s always best to read your policy carefully to find out what its exact terms are.
Buildings insurance covers the cost of repairing or rebuilding your home if it is damaged by an insured event, such as fire, flood, storm, subsidence, vandalism, or escape of water. It also covers permanent fixtures and fittings, such as windows, doors, pipes, wiring, and fitted kitchens and bathrooms.
Buildings insurance usually covers the following:
The structure of your home, including walls, roof, floors, ceilings, foundations, and garages.
Permanent fixtures and fittings, such as windows, doors, pipes, wiring, and fitted kitchens and bathrooms.
Outbuildings, such as sheds, greenhouses, and garages.
Boundary walls, fences, gates, driveways, paths, and patios.
Swimming pools, hot tubs, solar panels, and wind turbines.
Buildings insurance does not cover the following:
Wear and tear or gradual deterioration of your home.
Damage caused by poor maintenance or DIY disasters.
Damage caused by pests or vermin.
Damage caused by war, terrorism, nuclear radiation, or sonic booms.
Damage caused by deliberate acts or negligence by you or anyone living in your home.
Contents insurance covers the cost of replacing or repairing your personal belongings and household items if they are stolen, damaged, or destroyed by an insured event. It also covers your legal liability if you accidentally injure someone or damage their property with your contents, though this comes with an extra charge.”
Contents insurance usually covers the following:
Furniture, carpets, curtains, bedding, and clothing.
Electrical appliances, such as TVs, laptops, fridges, and washing machines.
Valuables, such as jewellery, watches, art, and antiques.
Money and credit cards up to a certain limit.
Personal possessions that you take outside your home, such as mobile phones, cameras, and bicycles (you may need to add extra cover for these items).
Garden furniture and equipment up to a certain limit.
Contents insurance does not cover the following:
Wear and tear or gradual deterioration of your contents.
Damage caused by pets or vermin.
Damage caused by war, terrorism, nuclear radiation, or sonic booms.
Damage caused by deliberate acts or negligence by you or anyone living in your home.
Business equipment or stock (you may need a separate policy for these items).
An expert to advise you and ensure you have the most suitable cover
Access to a panel of reputable insurance providers
It’s straightforward – we complete the application on your behalf
Comparison sites only offer ‘standard’ insurance policies and won’t necessarily take your circumstances into account.
Our service is fee-free – other fees may apply from third parties.
Peace of mind you and your family are protected.
Let’s find the right home insurance policy for you
Our friendly and experienced advisors will be happy to help you find the most suitable home insurance policy for your needs.
