Household Insurance

Your home is probably your biggest investment, therefore you want to make sure that both the buildings and its contents are fully insured.

We can offer you a choice of Standard or Accidental Damage cover for both the building and contents, giving you flexibility and a competitive premium.

Buildings Insurance
Buildings insurance covers the structure of your home, including outbuildings, garages, drives, walls, swimming pools and tennis courts and your Standard cover will protect you against the cost to repair or rebuild these if damaged.

For extra protection we can also provide Accidental Damage cover.

Contents Insurance
Contents insurance protects your possessions whilst they are in your home. All claims are paid on a 'New for Old' basis (except clothing and linen), to fully protect you against loss and damage to your possessions.

Standard cover will pay to repair or replace your contents and personal effects if they are lost or damaged (subject to terms of individual policies). This can be extended to your Personal Possessions taken outside your home giving you protection throughout Europe and for up to 60 days each year Worldwide.

As well as covering you against a stated list of risks (including, for example, fire, subsidence, theft, flood and storm) both kinds of policy provide an important 'liability' section. This pays for amounts of money for which you become legally liable. You don't have to insure your contents and buildings with the same insurance company. The household insurance market is very competitive and it is always worth shopping around. However, using the same company may help to streamline claims handling if you suffer damage to the buildings and its contents.

For extra protection we can also provide Accidental Damage cover.