Home Insurance

As independent brokers we have access to a wide panel of insurers and will search the market to find the right package built specifically for your your home insurance needs and requirements, ensuring that you have the right cover for the day-to-day risks that come with owning and living in your home. The appropriate policy will contain everything required to be fully protected as a homeowner or a tenant, including cover such as buildings and contents, plus many other areas of protection.

We also provide bespoke high-value home insurance to suit your requirements at the lowest possible cost but with the highest level of comprehensive cover for your peace of mind.

Making sure that you are fully covered in all risk areas is our highest priority for you. We will find the ideal insurance package which will include everything you require in one simple premium; so you can rest assured that once everything has been assessed for all areas there could be a potential claim, that you are covered in any future unfortunate circumstances.

the market-leading packages that we have access to cover many areas of risk such as damage in a fire or flood which could pay for repairs and rebuild, contents insurance in case of any accidents, as the smallest ones can cause the biggest claims, plus many other areas of protection such as All Risks on items away from the home, Specified Items of high value, legal expenses and travel insurance.

Our expert insurance advisors will assess your needs and put together the best home insurance package for you to ensure the most comprehensive protection that you require. We aim to source the most suitable cover for you at the competitive price from our panel of insurers.

The market-leading Home Insurance packages that we have access offer a wide selection of covers that you would require to protect your home and possessions against the risks it faces on a daily basis.

The way in which we assess the best Home Insurance package for you is to take the time to fully understand your full requirements, along with an analysis of your location, previous risks such as floods in the area, property structure and many other areas that our insurance experts are trained to provide you with the best cover.

We go into detail to determine the level of risk that is probable on a daily basis, so we can then build the right bespoke insurance package that would protect your home and your possessions in any of those unfortunate circumstances.

When a quote is put together for Home Insurance, we asses your situation on an individual basis depending on a number of factors. If you have had claims in the past, we are still able to provide insurance for you, once we establish the whole picture of the risks involved for you as a homeowner or tenant.

Setting in place risk preventative measures and procedures can dramatically reduce the chances of the claimed risk happening again, such as improved security systems and the latest fire alarms. These efforts can also help increase the number of insurers that we are able to approach to provide you with the most comprehensive and competitive priced Home Insurance package in your current state of risk and previous claims.

Accidental Damage Insurance can be made part of your Home Insurance package, and it covers you against any one-off accidents that have caused damage to your property or contents. This can be things such as a spill on the carpet that would pay for the replacement, or if damage was caused to the wall or nearby items while putting up the shelves, for example, that would pay for the cost of repair.

It’s not a legal requirement to have Buildings Insurance, however, if you are looking to get a mortgage for the property then this may be one of their requirements, as well if you have a leasehold arrangement. Although it’s not a legal requirement, it is highly advisable as damage to the property could be very costly to repair and could cause serious financial problems to get everything back to normal. That’s why having the right home insurance with the correct inclusive buildings cover will help you get everything back on track if anything unfortunate was to happen.

Yes, we are able to provide this cover as part of your Home Insurance package. Insurers will be looking at the type of high-value items you possess, the value, your location, any security measures you have in place to prevent any unfortunate circumstances. These are some of the factors that can fluctuate the premium to protect you against these kinds of claims.

The value of your buildings sum insured is calculated based on the cost of how much it would take to rebuild the property to you, rather than today’s market value. This would include the labour and the materials, especially if you are able to source the required work at a reduced cost. Don’t forget to take into account other areas such as design costs, legal fees, professional advice, planning, site clearance and removal expenses.

We are not professional valuers and do not offer that service. We would always recommend that you obtain a professional valuation on a regular basis to ensure that the sums insured are correct, up to date and in line with market conditions to avoid any risk of “under-insurance” in the event of a claim, which could affect the outcome of any payment.

Please note – The insurers we work with will request an up-to-date valuation if one has not been completed within the last 3 years.

If you are in any doubt regarding the value of your home or possessions, then always seek the advice of an experienced and qualified professional – and if any changes are subsequently required, then contact your insurance broker and/or provider to ensure that the levels of cover are accurate and appropriate.

We are able to provide most types of Home Insurance packages in monthly instalments. Please don’t hesitate to get in touch with one of our insurance experts who will be able to advise on the best solution to ensure the full protection of your home and possessions. Please start an online quote at the top of the page or call us on 01926 495 113.