Home insurance

Home insurance

We’ve Got You Covered

We know how important your home is and we want to help you protect what’s important to you. As specialists in Buildings and Contents Insurance, we aim to provide you with a product that suits your needs, matched by an unbeatable service. Don’t take your home and its contents for granted, keep them safe with our outstanding home Insurance product. After all, there really is no place like home.

Buildings

Standard cover includes cover for your home including built-in furniture, outbuildings, garages, garden walls, fences and paved terraces.

Fire, lightning, explosion, earthquake or smoke damage
Escape of oil from any fixed heating installation
Escape of water from and frost damage to, fixed water tanks (including domestic fish tanks), appliances or pipes
Storm, flood or weight of snow
Falling trees, branches, telegraph-poles or lamp-posts
Falling aerials or satellite dishes, their masts or fittings
FCollision involving aircraft or other aerial devices or anything dropped from them, or involving any vehicle, train or animal
Riot, civil commotion or political disturbances
Malicious acts or vandalism
Theft or attempted theft
Accidental breakage of fixed glass, solar panels, ceramic hobs or fixed sanitary ware
Accidental damage to underground service pipes, cables, ducts or conduits supplying your home. Including sewers or drains and their inspection covers, which belong to you or for which you are legally responsible
Subsidence or heave of the site on which the buildings stand, or landslip
Any other accidental damage to the buildings, but only if this cover is stated in the schedule as being operative

In Addition Our Buildings Cover Also Includes

Cover up to £750,000 in the event of Total Loss
Cost of alternative accommodation
Legal liability to the public up to £2 million
Homeowners legal advice helplines
Contents

Standard cover includes New for Old cover for your household goods and your Personal Belongings. We will also cover your Jewellery and Valuables all kept within the home up to one third of your sum Insured with a single item limit of £1500.

We will cover you for

Fire, lightning, explosion, earthquake or smoke damage
Escape of oil from any fixed heating installation
Escape of water from and frost damage to, fixed water tanks (including domestic fish tanks), appliances or pipes
Storm, flood or weight of snow
Falling trees, branches, telegraph-poles or lamp-posts
Falling aerials or satellite dishes, their masts or fittings
Collision involving aircraft or other aerial devices or anything dropped from them, or involving any vehicle train or animal
Riot, civil commotion or political disturbances
Malicious acts or vandalism
Theft or attempted theft
Accidental breakage of mirrors, plate glass tops to furniture and fixed glass in furniture
Accidental damage by external and visible causes to any item of television, video, audio or personal home computer equipment (including indoor aerials used solely for domestic and private purposes)
Subsidence or heave of the site on which the buildings stand, or landslip
Any other accidental damage to the property insured by this section, but only if this cover is stated in the schedule as being operative

In Addition Our Contents Cover Also Includes:

In Addition Our Contents Cover Also Includes: Cover up to £75,000 in the event of total loss
Loss of freezer contents up to £500
Loss of cash up to £300 & credit cards up to £1000
Replacement door locks if your keys are lost up to £300
Contents in your outbuildings up to £3000
Contents temporarily removed £5000 (this includes cover for students living away from home during term time)
Personal Legal Liability up to £2 million
Cost of alternative accommodation up to £5000
£25,000 Legal expenses cover


Our home Insurance product is underwritten by Ageas Insurance Ltd and subject to terms, conditions and exclusions. If your risk is not suitable for this product, we may be able to approach other Insurers from our panel on your behalf.