4th November 2019
House Insurance
Your home is the place you feel safe and secure. It's reassuring to know we're here for you should the unexpected happen.
Why choose us?
Our home insurance can offer insurance cover for your buildings, contents or combined buildings and contents. We understand the importance of your home and the things in it and we can help you find the right cover for your individual needs.
We're here when you need us
If you need to make a claim, you can rely on the insurers claims team to keep you up to date with every step of the process. In complex cases, where the insurer feels you need extra support, they may appoint a personal claims handler to look after your claim, and meet you face-to-face to guide you through the process.
What can house insurance cover you for?
Some of the key covers are listed below split into two sections. 1 Buildings Cover & 2 Contents cover.
Buildings Cover -1 This covers the structure of your house, including it's garages and outbuildings, and it's fixtures and fittings.
Buildings cover may also include cover for:
- Trace and access - the reasonable cost to source a leak and make good, if the buildings of your home are damaged by escape of water or oil
- Alternative accommodation
- Property owners liability
- Replacement locks and keys
- Legal expenses cover - if you are negotiating or defending your legal rights
Contents cover - Covers the items you would normally pack up in a removal van if you were to move home.
Contents cover may also include cover for:
- Alternative accommodation
- Office contents and equipment cover
- Contents in your garages, sheds, greenhouses and outbuildings
- Occupiers and public liability cover
- Plants in the garden
- Contents in the open
- Intruder alarm savings - If your home is fitted with a working intruder alarm then you may get a discount on your contents premium
What optional covers are available?
Depending on the policy you choose you may be able to add one or more of the following options
Personal belongings cover - this offer protection fro your most valued possessions like rings, watches and mobile phones, against theft, accidental damage or accidental loss whilst in or temporary away from your home provided you keep them safely within reach or locked away.
Accidental damage cover - Offers extra protection for things such as DIY accidents, like drilling through pipes or accidental damaging your carpet and furniture, you can add accidental damage to both your buildings and contents insurance.
Pedal cycle cover - We can offer optional pedal cycle cover to protect your bike when away from your home or you could choice a separate pedal cycle insurance policy.
Valuable cover - Got something worth more than the single item limit. Then you will need to specify this item to ensure that it is fully covered, in and away from your home.
24 Hour Emergency assistance - This is where the insurer arranges for a tradesman to carry out emergency repairs at your property such as plumber. You may need to pay for the repairs, but if the damage is covered by your house insurance policy then you will be able to claim in the normal way.
Lost keys - Covers the cost for replacing locks on external doors if you lose your keys, they are stolen or if the lock is accidentally damage - making sure your home stay secure. We can also offer a stand alone cover for lost or stolen house and car keys policy.
Legal support - Provides cover to help you with domestic legal issues such as contract or employment disputes.
What is alternative accommodation cover?
If you house/home has been damaged by an insured event and you are unable to live there. We will pay for alternative accommodation for you and your pets to live while your home is being repaired.
