Home Insurance

  • Defacto 5 star rated home and contents insurance. Huge discounts as well as many free additional covers

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

Contact our team today and one of our experienced brokers will be happy to provide you with a free insurance review, advice or a quote.

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