Home insurance
Your home is likely to be your most valuable asset, so the cover on it deserves more than a price comparison.
- Fire, flood, storm and escape of water
- Theft and attempted theft
- Subsidence, heave and landslip
Insurance
Insurance for the home, the people in it, and the rent it earns
We read the policy wording so you do not have to, place the risk with an insurer whose cover fits, and review it every year.
Three policies
Choose where to start
Landlord insurance
A standard home policy may not respond when a tenant is living in the property. Landlord insurance is written for the risks of letting.
- Fire, flood, storm, escape of water and subsidence
- Malicious damage by tenants
- Loss of rent while the property cannot be let
Life and protection
Think about what your family would need to keep their standard of living if you were not there, or could not work. Protection is how you put that in place.
- A lump sum on death during the policy term
- A lump sum on diagnosis of a listed critical illness
- A monthly income, typically fifty to seventy per cent of earnings, while you cannot work
Add-ons
Home emergency and appliance cover
Each of these attaches to a home or landlord policy arranged through us.
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Add-on cover
Plumbing and drainage
Keep the household running when a pipe bursts or a drain blocks. An engineer, a helpline that answers at any hour, and no repair bill to find.
- Burst pipes
- Blocked drains
- Blocked toilets
- Reinstatement, trace and access costs
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Add-on cover
Boiler and heating
A boiler that fails in January is more than uncomfortable. This cover gets a Gas Safe engineer to you and pays for the repair.
- Complete loss of heating
- Complete loss of hot water
- A UK network of Gas Safe registered engineers
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Add-on cover
Complete cover
Boiler, heating, plumbing, drainage, electrics and pests in one policy, so whatever fails, one call sorts it.
- Plumbing and drainage, including blocked and burst pipes
- Boiler breakdown and central heating
- Annual boiler service
- Electrical emergencies
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From £5.50 a month
Appliance cover
White goods break at the worst moment. Appliance cover pays for the repair or replacement, with no limit on the number of call-outs.
- Oven or hob
- Hood or extractor
- Dishwasher
- Fridge freezer
Good to know
Insurance questions
How much should I insure my buildings for?
The cost to rebuild the property, not its market value. Rebuild cost is usually lower in London because the land is most of the price. We can help you check the figure.
Is landlord insurance a legal requirement?
No, but most buy-to-let mortgage lenders require buildings cover, and letting without protection for the building and your liability is a large risk to carry yourself.
Do I need life insurance if I have a mortgage?
It is not a legal requirement, but if someone depends on your income to keep the home, a policy that clears the mortgage if you die is the simplest way to make sure they keep it.
Tell us what you are looking for and we will come back within one working day
A short form, no obligation, and nothing is applied for until you say so.
Cover is subject to underwriting and to the terms and conditions of the policy. Conditions and exclusions apply. Please refer to the policy documents for full details.