Domestic Lines - Household Insurance

If you have ever experienced loss or damage such as fire, flood or theft, you will know that the stress of dealing with the problem can be as painful as the initial loss.

But how do you know beforehand how your insurer will treat you?

There is a wide range of insurers offering House Buildings and Contents insurance in every possible permutation. New for Old or Replacement Value? Special Items? Emergency Assistance? Legal Expences? Travel Cover? Students away from Home?……. We will identify the one that matches your requirements to give the best combination of range of cover, level of cover and cost.

PRESTIGE HOMES

Prestige Home insurance needs to be tailored to the individual requirements of the discerning home owner and family. Larger properties can have complex insurance needs, so each arrangement must cater uniquely for the diverse range of risks within a single policy.

STUDENT

If you’re a Student living in digs, a flat, shared accommodation or a Hall of Residence, your personal possessions stand a very real chance of being stolen or destroyed. Can you afford to replace them?

We have access to specialists in this area, and can arrange to give you wider cover at exceptional value with a whole range of additional benefits included.

BUILDINGS

If you currently have your Buildings insurance arranged by your mortgage lender, there is a good chance that you are paying more than you need for the cover.

Research shows that people often believe that they have to take the insurance that heir lender offers – that it is a condition of the mortgage. Usually, this is not the case – and even when it might have been, people tend to stay with the more expensive cover far longer than they really have to.....

CONTENTS

Have you ever thought quite how much it would cost to replace all your personal and household belongings? Just thinking about the contents of your living room makes you stop and think: carpets, curtains, TV, videos, Hi-Fi; maybe books, tables, comfortable chairs...the list goes on. And that is just for one room, and not thinking about special valuables.

It is often sensible to combine Contents cover with Buildings, but there can be many reasons why this need not always the case.....

LANDLORDS INSURANCE

Most standard Household insurance policies will not protect Let property. Shifts in legislation require Landlords to be more aware of the risks, particularly with regard to public liability and appliance safety.

However thoroughly tenants are referenced, it is impossible to foresee problems such as redundancy, marital breakdown or illness. Forward planning with the right Let Property insurance is always advisable.

TENANTS INSURANCE

A telling statistic is that over 1 in 5 of tenancies are subject to serious dispute, with a large percentage of claims occurring within the first few months of the tenancy. Legal Protection Insurance can save considerable time and monies.

LEGAL PROTECTION

Most standard Household insurance policies will not fully protect Tenants of rented property. A Tenant’s personal possessions are not covered by a Landlord’s insurance, and additional benefits such as Accidental Damage cover can easily be included.

We offer a very wide range of products and services, only selected ones are described here.
If you want to ask us about anything else, please Contact Us

How can we help you?