Household Insurance Customers

Please select a link below if you are an existing customer, wish to retrieve your quote from us or contact us with any questions.

What is Household Insurance?

Household insurance, also known as home insurance, is a type of property insurance that covers losses and damages to your home and its contents. It protects against risks like fire, theft, and natural disasters, and includes liability coverage for injuries occurring on your property. The coverage varies across policies, allowing you to choose one that fits your needs and budget. Our expert team is available to help you find the ideal policy. 

Contact us today to secure the right protection for your home.

What does Household Insurance cover?

Household insurance typically covers damage to your home from fires, storms, and other natural disasters, as well as theft or vandalism of personal possessions. It also provides liability protection for injuries on your property or damages to others’ property. 

Many of our policies include coverage for living expenses if your home becomes uninhabitable due to these events. Coverage details can vary, so it’s crucial to review your policy carefully. Our team is here to assist you in finding the right coverage.

What isn’t covered?

Household insurance typically excludes certain situations and types of damage from coverage, which vary by policy but often include:

  1. Natural wear and tear: Damage due to ageing and normal wear of the home is not covered.
  2. Intentional damage: Any damage intentionally caused by the policyholder or residents of the home.
  3. Water damage: This can include flood damage or damage from sewer backup, which are often not covered unless specifically added to the policy.
  4. Pest infestations: Damage from pests like termites, rodents, or insects is usually not covered.
  5. High-value items: Expensive personal items like jewellery, art, and collectables may exceed standard policy limits and require additional coverage.

It’s important for homeowners to review their specific policy details to understand the exclusions and determine if additional coverage is needed for certain risks.

We’re here to help guide you through this process, making sure you feel confident and well-informed every step of the way!

Cheap Household Insurance

We have the flexibility to ensure that your household insurance policy reflects your needs, allowing you to choose from contents, buildings or a fully combined building and contents insurance policy.

  • Contents Insurance: This policy protects your personal belongings within the home, such as furniture, electronics, and clothing, against theft, damage, or loss.
  • Buildings Insurance: This coverage focuses on the physical structure of your home, including the roof, walls, and permanent fixtures, safeguarding against structural damage from events like fires, storms, or floods.
  • Combined Building and Contents Insurance: For comprehensive protection, this policy merges both contents and buildings insurance, ensuring that both your home and the items within are covered under a single policy.

Each option is designed to provide peace of mind by catering to different levels of protection based on your circumstances, allowing you to tailor your policy to include the exact coverage you need. 

Whether you’re concerned primarily about the belongings inside your home, the structure itself, or both, our policies can be customised to ensure your most valuable assets are protected. 

Tailor your policy with our team today!

Additional Cover Available

We offer a range of additional coverage options to tailor your household insurance to your specific needs. These include coverage for items away from home, sports equipment, and valuables. We also provide family legal protection, coverage for working from home, and protection for students’ belongings away from home. 

Additionally, we offer landlord insurance for let properties, ensuring comprehensive protection for all aspects of your home and lifestyle.

Household Insurance Quote

We offer competitive rates and excellent service, including coverage for visitors’ personal effects and accidental glass breakage.

Contact our UK team today to find affordable household insurance options tailored for you.

Frequently Asked Questions

How do I choose the right type of household insurance?

Consider what aspects of your home and belongings you most need to protect. Decide if you need contents insurance, buildings insurance, or a combined policy. Assess the value of your belongings and the rebuild cost of your home to determine adequate coverage levels.
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Can I get coverage for items outside my home?

Yes, we offer personal property coverage that can protect items outside of your home such as bicycles, laptops, and phones when you're away from home. This is often called "personal possessions cover."
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What should I do if I need to make a claim?

Contact us! Provide all necessary documentation and information related to the incident, such as photos of the damage, police reports (if applicable), and a list of stolen or damaged items.
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How can I reduce my household insurance premiums?

You can often reduce your premiums by installing security measures like burglar alarms and smoke detectors, increasing your deductible, and bundling multiple insurance policies with the same provider. Regularly reviewing and adjusting your coverage can also help keep costs down without compromising on necessary protection.
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What is accidental damage cover in household insurance?

Accidental damage cover is an optional extra that protects you against losses from unintentional incidents like spilling paint on a carpet or breaking a window while playing sports inside. This cover is not typically included in standard policies and must be added for an additional fee.
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