Home Insurance Broker

While it is true that a home insurance broker and the specialist home insurance policy they produce can be a little more expensive, you can’t put a price on the peace of mind that comes with knowing your home and its contents are covered for every eventuality. 

Our house insurance brokers are particularly adept at working with high-value homes, and all the specific building characteristics and unique collections they can contain, ensuring no element of cover is missed. 

Specialist home insurance, as the name implies, is a specialist policy that goes into a lot more depth about all the exact requirements of your home. 

While comparison sites can often provide quick and cheap policy quotes, they’re often not equipped to deal with all the personalised requirements of a high-value home.  

Perhaps a portion of your home is a listed building, or you have a jewellery collection worth almost as much as the home itself? If so, our expert home insurance brokers are ideally equipped to get you the exact policy you need and ensure every detail and eventuality is considered. 

While it is not a legal requirement in all cases, it is definitely recommended to take out some form of home insurance policy to cover your property and belongings in the hopefully unlikely event of damage, theft or loss. 

The same goes for holiday home insurance, you are opening yourself up to significant risk leaving any property uninsured, so it is always recommended to find the right cover. 

Your exact cost will depend totally on the nature of your property and its contents. Once again, our in-house underwriting team will review your exact requirements and liaise with our panel of specialist insurers to find the most suitable, and cost-effective, home cover policy for your needs.   

Every claim, while following the same key steps, will depend somewhat on the exact nature of your claim and the theft, loss and/or damage. We can say with confidence that we only work with insurers who are known for a clear, simple and helpful home insurance claims process and who will take care of you every step of the way if something does go wrong. 

Find out more about our home insurance claim process on our making a claim page. 

A number of property types are difficult or impossible to insure adequately through a standard comparison site. These include listed buildings, properties with thatched or flat roofs, high-value homes, properties with a history of subsidence or flooding, homes undergoing major renovation, holiday homes and second properties, and homes containing specialist collections such as art, jewellery, or antiques. If your property falls into any of these categories, a specialist home insurance broker may be able to arrange cover that a comparison site cannot provide.

Buildings insurance covers the physical structure of your home, the walls, roof, floors, permanent fixtures, and outbuildings. Contents insurance covers the belongings inside your home, including furniture, clothing, electronics, jewellery, and other valuables. Many specialist home insurance policies combine both into a single tailored policy. As a home insurance broker, we can arrange combined or separate buildings and contents cover depending on your needs, including extensions for high-value or specialist items that may exceed standard sum insureds.

Yes, although listed building insurance requires a specialist policy rather than a standard home insurance product. Listed properties often have significantly higher rebuild costs due to the requirement to use traditional materials and specialist craftspeople. Standard policies may not account for these costs, leaving owners underinsured. As a specialist home insurance broker, we work with insurers experienced in listed property cover and can arrange a policy that properly reflects the rebuild value and requirements of your home. Speak to our team to discuss your listed building insurance requirements.