Home Insurance

Select a service to learn more about what we offer.

Buildings & Contents Insurance Homebuyers Protection Landlords Insurance Specialist Portfolio Insurance

Building and Contents Insurance

Home buildings insurance covers the costs of rebuilding or repair if your home were to subside, burn, or be damaged by extreme weather. Generally, it covers among other things as below:-


  • Permanent fixtures in your home like built-in wardrobes, kitchen surfaces, taps, basins, baths and showers.
  • Outbuildings, boundary walls, gates, pools, drives and paths.

Home contents insurance covers the possessions you would normally take with you when you move house. It protects your contents and personal belongings in the event that they suffer damage or loss as either a property owner or an occupier. Contents insurance would cover your possessions such as furniture and carpets.


Optional extras:-

  • Accidental Damage
  • Home Emergency
  • Legal Expenses
  • Personal Possessions

Home buyers Protection

This type of cover is valid for a period of up to 120 days from the policy start date. It protects your initial expenses (e.g. solicitor fees, valuation fees – in the event of unwelcomed survey results)

Offers protection against:-

  • Gazumping - The seller receives and accepts an offer which is at least £1,000 more than the offer that was accepted from your client.
  • Seller Withdrawal - The property is withdrawn from sale by the seller.
  • Adverse Survey - Prior to the release of funds the mortgage lender insists on rectification work to the property, that cost more than 10% of the sum offered and accepted.
  • Down Valuation - The mortgage lender’s valuation of the property is less than 95% of the sum that was offered and has been accepted.
  • Changes in Employment - Your client is made redundant or asked to relocate by their employer resulting in your client not being able to continue with the house purchase.
  • Unexpected Death - Causing the sale of the property to fail.

Landlords Insurance

Landlords Insurance provides peace of mind by protecting property and contents from damage or loss whilst also protecting their legal liabilities as a property owner.

Also known as buy-to-let insurance, it typically includes buildings insurance to protect against structural damage, and contents cover if you're renting out a property.


Landlord insurance normally covers:-

  • Loss of rent (including ground rent) receivable if the property is made uninhabitable
  • Damage to your property (by the tenant)
  • Alternative accommodation for your tenants
  • Liability for accidents in your property causing injury

Optional extras:-

  • Cover the cost of repairs for emergencies like burst pipes, gas leaks and pest infestations.
  • Provide legal protection for any disputes that may arise with your tenants like the recovery of outstanding rent.
  • Compensate you for loss of rent so you can still meet your mortgage repayments if an accident renders your property non-rentable.

Specialist Portfolio Insurance

We can arrange you a bespoke Specialist Home Insurance depending on your needs and budget to cover buildings, contents and personal possessions where the standard products may not meet your client’s requirements such as cover for non standard construction or high worth belongings to your needs and budget.

We can arrange Specialist Portfolio Insurance covering large or complex Portfolio business.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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