Home Insurance

You probably know that searching for the right home insurance cover can take hours. You really don’t want to waste your weekend staring at a computer screen and you definitely don’t want to get the wrong cover – as you’ll find out if things ever go wrong.

But it doesn’t need to be like this.

As a specialist insurance broker, we don’t just look to find the cheapest quote (although we always try to save you money), we provide a range of options from top UK insurers. So whether you’re looking for the right buildings insurance, contents insurance or a comprehensive building and contents policy, you can choose what’s best for you.

Things to consider before getting a quote

Before getting a home insurance quote it’s really important you consider exactly what levels of protection you need. So have a think about the following:

• Rebuild cost – When taking out Buildings Insurance it's easy to under or over-estimate the cost. Remember, this does not include the price of purchasing the land but just the materials - bricks and mortar – to rebuild your property.
• Value of contents – Another thing people often overestimate! We recommend going through each room in your house and make a note of the cost of each item before totalling up the amount. You may be surprised – and that could save you money.
• Excess – It’s worth considering how much you could afford to pay in the event of making a claim on your household insurance. A higher excess can often save you money on your premium, although it could be a barrier to making claims for low amounts.
• Valuable Items – When looking for Contents Insurance always make sure that valuables such as engagement rings, watches, sports equipment and high value electronic equipment are named on your policy, and that the cover is high enough to protect them.
• Cover outside the home – It's worth checking that any items you carry with you will also be covered by your Home Insurance policy. Similarly, you should check that items stored in outbuildings, such as sheds or garages, are also protected.

If you have any doubts about whether you have the right cover for your contents or buildings, then call us. We can answer your questions and give you a quote so you can see how much your ideal cover would cost you.