Not many people would be able to afford to pay for the rebuilding of their home or the replacement of all their possessions without putting a significant hole in their resources.
This means most people have a need for home insurance of some description. We can help you find the right insurance product for your needs from our selected providers.
People in rented accommodation should consider insuring their own possessions, particularly if they would be costly to replace in the event of damage or loss, see 'Contents' below.
The buildings insurance amount usually refers to the cost of rebuilding your property in the worst case scenario that damage to the property means it cannot be repaired, but needs to be totally rebuilt. This can mean that the rebuilding cost is greater than the sale value because it includes clearing the site and all the professional fees for architects etc.
The cost of Contents insurance depends on the total value of the contents of your property and the amount of high risk items, such as bicycles and jewellery, you want included.
Under, or sometimes over-insuring a property can result in claims not being met in full so it makes sense to ensure you are adequately covered.
Many homeowners simply take the buildings and contents insurance offered by their mortgage lender and this can often be much more expensive than that available elsewhere.
A comparison of the premiums charged and the extent of cover offered by the various Insurers can confirm whether you are paying over the odds.
Some Insurers offer reductions in premiums for homeowners who fulfil certain criteria, such as those with an alarm or security system or for the over 65's.
We will aim to beat your current provider's insurance costs whilst providing a level of cover that you are satisfied with.