House Insurance

Home contents and buildings

House insurance is available for both your house contents and buildings. We offer a range of cheap house insurance policies that are connected with home ownership - or just contents cover if you are a tenant. These include mechanical breakdown for electrical goods in your home, personal possessions cover, forces kit policies and home emergency cover. If you let our your house insurance is available for landlords. We also cover let properties, unoccupied houses second homes and property abroad.

	House insurance policies suitable for your needs as a home owner. We can cater for people with claims, unusual property, such as subsidence risks or thatched roofs (on application). Quotes are available for buildings and contents - this link is suitable for houses in the UK only. House insurance for home buildings and contents - cheap online quotes.
	House insurance policies do not cover wear and tear or mechanical breakdown to domestic appliances- can cover one appliance or a whole range under one policy - no wear and tear clauses and reasonable prices. Rates for our extended warranty insurance policy are much cheaper than found on the high street and are suitable if your domestic appliance e.g. television (not plasma), cooker, fridge etc are a year old. Extended warranty cover
	Premiums depend on the sums insured. Don't risk underinsurance: Click the picture for a guide to rebuilding costs so you can see whether the buildings sum insured you have chosen  is reasonable. This is a guide only and we do not guarantee that the figure you obtain will ensure you won't be underinsured. If in doubt you should consult a chartered surveyor.
	Your parents policy may  be extended to cover your contents, as a student you should check if If not we offer this personal possessions policy (suitable for other occupations not only students) which offers discounts for living in halls of residence or not in a city. Student Personal Possessions, Flats, Bed-sits, Shared Accommodation, Halls of Residence and Sheltered Accommodation.
	insurance for forces Kit. Suitable for the demands and needs of people in the armed forces - the policy can cover not only your kit but also  contents and belongings if you live on MOD premises.
	Home emergency cover - including leaking pipes, broken doors and windows and also breakdown of the boiler in the winter.
	Build your own home - self build insurance
	Tenants contents insurance - specifically for tenants not home owners including cover for damage to landlord contents, fixtures and fittings and buildings
	A typical home insurance policy has many possible features. This information is a guide to covers that may be available. Please note that not all home insurance policies provide all covers and you should read your own home insurance policy carefully - or ask your home insurance broker if the cover is provided under your own home insurance policy.
	If you are working from home then not only will you need home insurance to cover your house and contents but you will also need public and employers liability insurance as well as cover for your business equipment. In addition you may need professional indemnity insurance to cover advice you give and legal expenses insurance to cover some other costs. More information is found here.

As a property owner, you realise that you could face a large loss if your buildings and contents are not covered for the correct amount. Whilst we cannot advise on the sums insured, we are pleased to offer a quick guide to rebuilding costs available for the home owner.

We can insure the following types of property.

1. Your second or holiday home - including holiday homes aboard
2. Unoccupied properties in UK - e.g. being renovated or the demise of occupant
3. Tenanted landlords properties - to professionals, DSS, students, asylum seekers etc.
4. Property overseas - in Eire, Spain, Portugal, Cyprus and France - your own and let out
5. Purpose built flats
6. Non standard e.g. thatch / previously underpinned

Special policies are available for large properties - mansions etc and for people who have large sums to insure on their contents. These 'high net worth'  policies can't be quoted for on-line. Please contact us on 0870 7456247 if you feel your buildings and contents deserve a "high net worth" policy.

Income protection insurance | Mortgage protection insurance | Accident sickness unemployment insurance

Forces Kit cover for forces kit, and personal possessions for enlisted personnel may be more suited.

Personal possessions for  students, nurses and other people living in digs, halls of residence, shared property and bed-sits.

Wear and tear or breakdown of domestic appliances. You should consider extended warranty  for electrical goods kept in your home.