Household Insurance

Buildings Insurance offers you protection against damage to the structure of your property, such as the walls, roof and windows. It also covers any permanent fixtures and features in your home, such as fitted kitchens and bathrooms. Buildings Insurance can cover your home against many unfortunate events including financial losses from fire, storm, flood, vandalism, burglary, vehicle collision and subsidence.

Contents Insurance offers protection against the loss or damage of anything in your home that can be removed. This includes your carpets, curtains, clothes, electronic equipment, furniture, jewellery and so forth.

Due to high-profile flood events, insurers have increased premiums and policy excess’ for post codes considered to be at-risk. Some policyholders are finding that their flood policy excess is extortionate, regardless of whether they have experienced a flood or not before. We take into account factors such as location and property type before approaching insurers for the most appropriate solution for your requirements.

Optional cover that protects your property against unexpected damage such as heating breakdown, burst pipes, blocked pipes, roofing problems, pest infestations, and security issues. If your property is no longer habitable, this type of insurance covers the cost of sourcing other accommodation.

Sometimes referred to as Family Legal Protection, this cover is designed to financially protect you should you face a legal dispute, civil claim or being sued. Home Legal Protection can include for example employment disputes, contract disputes, property disputes, clinical and medical negligence, educational appeals, professional negligence disputes, personal injury and homebuyers protection.

To be defined as a listed property, the building is recognised and protected by the English Heritage or is of Historic or Special Architectural Interest. Listed Property Insurance is a type of Buildings Insurance for Grade I, II and II* properties. Taking into consideration the type of property, its construction, age and history we will seek quotations from the relevant markets available to us.

Insuring the structure and contents of sheds, greenhouses, summer houses, domestic garages, pool houses, and garden structures subject to policy terms and conditions.

Second Home Insurance is a policy which will cover any property that is not your main residence including let properties, unoccupied property and holiday homes. Offering insurance cover for your buildings and contents from damage, theft, fire and loss.