Our home insurance policy has been designed to provide cover for buildings and contents and is defaqto 5 star rated. In addition to this we also cover for valuables and personal possessions whilst at and away from the home.
Some of the details of our cover are listed below.
There are some HUGE discounts available
No claims bonus upto 30%
Buildings and contents combined discount
Upto 40% off for our bedroom rated option
Age of proposer discount
Higher sums insured discount
Age of home discount
Voluntary excess discount
Types of risks covered:
Standard home insurance
High & Mid net worth – High building and contents sum insured
Policy holders with criminal convictions, CCJ’s and bankruptcy
Homes used as bed and breakfasts
Homes used for child minding
Homes with lodgers
Homes undergoing building work and refurbishment inc works extensions
Homes used for business
Contents in depositaries ad storage
Home4s needing cover between exchange and completion
Listed Homes
Shared occupancy
Working farms
Our buildings policy provides cover as standard for loss or damage caused by fire, lightining, explosion or earthquake and smoke damage caused by these perils.
Aircraft and other flying devices or items dropped from them
Storm, flood or weight of snow
Escape of water from and frost damage to fixed water tanks, apparatus or pipes, escape of oil from a fixed domestic oil fired heating installation and smoke damage caused by fault in any fixed domestic heating installation
Theft or attempted theft
Collision by any vehicle or animal
Any person taking part in any terrorism, a riot, violent disorder, strike, labour disturbance, civil commotion or malicious act
Subsidence or heave of the site upon which the buildings stand or land slip
Breakage or collapse of fixed radio and television aerials, fixed satellite dishes and there fittings and masts
Falling trees, telegraph poles or lamp-posts
In addition to these perils our buildings policy provides the following covers FREE:
Accidental damage to fixed glass and double glazing (including the cost of replacing frames), solar panels, sanitary ware and ceramic hobs all forming parts of the buildings.
Accidental damage to underground services
Alternative accommodation
Additional expenses
Increased domestic metered water charges
Any one buying the home will have the benefit of the buildings section
Trace and access cover
Replacement locks
Landscape gardens
Fire extinguishers, sprinkler heads and refilling sprinkler tanks
Emergency access cover
Closed circuit television systems
Index linking
Legal liability as owner of the home upto 2 million including the defective premises act 1972.
Buildings cover can also be extended to include:
Accidental damage to the buildings
Garages away from the home
Green houses, sheds and outbuildings for tennants
