Home Insurance

Standard Home Insurance / Bedrooms Rated

Our 5 Star Defaqto rated Home Insurance policy has been designed to provide cover for Buildings, Contents or Buildings and Contents combined.

In addition to this, we also offer cover for valuables and personal possessions whilst at and away from the home, and some more specialist items, as listed below.

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There are some huge discounts available, such as:

No claims bonus up to 30%
Buildings and Contents combined discount
Up to 40% for our Bedrooms Rated option
Age of proposer discount
Higher sums insured discount
Age of home discount
Voluntary excess discount
Existing policyholder discount of 5%

Types of Risks Covered

Standard Home Insurance
Bedrooms Rated Home Insurance
Previously underpinned homes and homes which have suffered from subsidence
Previously flooded homes
Mid Net Worth - High Building and Contents sum insured
Policyholders with criminal convictions, CCJs and bankruptcy
Homes used as small owner occupied bed and breakfasts
Homes used for childminding
Homes with lodgers
Homes undergoing building work or refurbishment, including JCT Minor Works Extension
Homes used for business
Contents in depositories and storage
Homes needing cover between exchange and completion
Listed homes
Shared occupancy
Working farms

Buildings Cover

Our Buildings policy provides cover as standard for loss or damage directly caused by:

Fire, Lightning, 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 a Fault in any Fixed Domestic Heating Installation
Theft or Attempted Theft
Collision by any Vehicle or Animal
Any Person Taking Part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously
Homes with lodgers
Homes undergoing building work or refurbishment, including JCT Minor Works Extension
Subsidence or Heave of the Site upon which the Buildings Stand or Landslip
Breakage or Collapse of Fixed Radio and Television Aerials, Fixed Satellite Dishes, and their Fittings and Masts
Falling Trees, Telegraph Poles or Lampposts

In addition to these perils, our Buildings policy provides the following additional 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 Part of the Buildings
Accidental Damage to Underground Services
Alternative Accommodation
Additional Expenses
Increased Domestic Metered Water Charges
Anyone Buying the Home will have the Benefit of the Buildings Section
Trace and Access Cover
Replacement Locks
Landscaped 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 up to £2,000,000, Including the Defective Premises Act 1972

Buildings cover can also be extended to include:

Accidental Damage to the Buildings
Garages Away from the Home
Greenhouses, Sheds and Outbuildings for Tenants

Contents Cover

Our Contents policy provides cover as standard for loss or damage directly caused by:

Fire, Lightning, 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 Fixed Water Tanks, Apparatus or Pipes
Escape of Oil from a Fixed Domestic Oil Fired Heating Installation and Smoke Damage Caused by a Fault in any Fixed Domestic Heating Installation
Theft or Attempted Theft
Collision by any Vehicle or Animal
Any Person Taking Part in Terrorism, a Riot, Violent Disorder, Strike, Labour Disturbance, Civil Commotion or Acting Maliciously
Subsidence or Heave of the Site upon which the Buildings Stand or Landslip
Falling Trees, Telegraph Poles or Lampposts

In addition to these perils, our Contents policy provides the following additional covers FREE:

Freezer Contents up to £1,000
Additional Money and Credit Cards up to £1,000
Accidental Damage to TVs, Satellite Decoders, Audio/Video/DVD equipment, Radios, Home Computers and Video Cassette Recorders
Accidental Breakage of Mirrors, Glass Tops and Fixed Glass in Furniture and Ceramic Hobs, plus Accidental Damage to Fixed Glass, Double Glazing and Sanitary Ware Forming Part of the Buildings which Tenants are Legally Liable for
Contents whilst Temporarily Removed
Contents whilst being Moved to a New Home, to or from any Bank, Safe Deposit or Furniture Store
Rent Payable as Occupier if the Home Cannot be Lived
Alternative Accommodation
Tenants’ Legal Liability for Loss or Damage to the Buildings
Accidental Damage to Underground Services which Tenants are Legally Liable for
Fatal Injury Cover Following Death Caused by Burglars or by Fire up to £10,000
Replacement Locks
Increased Domestic Metered Water Charges
Increased Contents Sum Insured for Wedding Gifts up to £5,000
Increased Contents Sum Insured for Religious Festival up to £5,000
Contents Cover for Family Members away at College or University
Index linking
Legal Liability as Occupier of the Home up to £2,000,000, Including Outstanding Awards made to the Policyholder by a Court

Contents cover can also be extended to include:

Accidental Damage to the Contents
High Valued Contents
High Valued Collections
Specified and Unspecified Valuables and Personal Possessions while in and away from the Home
Items in Banks/Safety Deposits
Mobile Phones
Laptops
Pedal Cycles
Guns
Musical Instruments
Hearing Aids
Sports/Leisure Equipment
Medical Equipment
Ride on Lawnmowers
Electric Wheelchairs
Mobility Scooters
Quad Bikes
Increased Contents of Garages, Sheds, Greenhouses and Outbuildings

Cover is subject to the full terms, conditions, limits and exclusions of our Home Insurance policy wording. Please click the Summary of Cover link to view or download a current copy of this policy.