Household Insurance
We Can Arrange Household Insurance To Protect Your Home
From standard home insurance covering buildings and contents, to a thatch-roofed cottage in the country, we can find a solution for you
Who We Are
We can arrange insurance for many property types varying in construction and age, with cover tailored to your specific needs.
Get in touch for a quote, we’ll help to arrange insurance to meet your requirements.
What Types of Property Can We Cover?
Not every home fits a standard insurer’s criteria. An unusual construction, an older building or a protected property often needs specialist cover, and that is where we can help. We arrange insurance across a wide range of property types:
- If your home falls outside the usual mould, our non-standard home insurance brings these property types together in one place.
- We arrange thatched property insurance for cottages and homes under a thatched roof, where the fire risk and specialist re-thatching costs call for a tailored policy.
- A period or protected home may need listed building insurance, which allows for like-for-like repairs using the original materials and methods.
- Homes built around a wooden frame are covered by our timber frame home insurance, from modern engineered frames to traditional oak-framed houses.
- For houses built on a steel skeleton, steel framed house insurance covers construction that many standard insurers turn away.
- Post-war prefabs and modern kit homes fall under prefab home insurance, which accounts for their prefabricated construction.
- Barns, churches, schools and other buildings turned into homes are covered by converted property insurance, reflecting the quirks of a repurposed structure.
What Cover We Can Arrange
Standard and optional benefits
Standard Benefits (subject to insurer and product)
- Landlords 20% of rebuild value for loss of rent
- Landlords Contents
- Public liability
- 3 levels of cover for unoccupied properties
- Accidental damage if requested
Optional extras
- Landlords Legal
- Legal family protection
- Excess protection
- Home emergency
Frequently Asked Questions
Yes, it is possible, but it depends on the building work being carried out. If it involves DIY work (such as minor or cosmetic work), insurers usually do not find this an issue as they do expect you to maintain the home in good condition. However, if you’re having major projects done like changing the structure of your home, such as extensions, knocking walls down, loft conversion, and so on, then you’ll need to check with your insurer if this is covered in your policy
Buildings insurance covers the structure of your home and permanent fixtures and fittings, while contents insurance covers everything inside it. The exact cover depends on the insurer and your policy, but what’s usually covered is burst pipe damage, fire damage, subsidence, criminal damage, and storm and flood damage.
Household insurance isn’t a legal requirement, but protecting your home is important if something goes wrong. If, however, you’re applying for a mortgage to buy your property, it’s likely the lender will ask for household insurance as a condition for taking out the mortgage.
Contact Us
For any enquiries or general queries please contact us