Home Insurance

Cover For Your Home Includes

  • Partial Or Full Rebuild Up To £1M
  • Contents Cover Up To £100,000
  • Tailored Policy to Your Requirements
  • Policies Provided by Sagic

Buildings & Contents Insurance

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What Is Home Insurance?

Your home is probably your most prized possession, not to mention the contents inside. We know how important it is to have peace of mind if anything should happen to it, be it theft, damage to your property or loss of possessions. That’s why we have a number of policies for you to choose from so we can ensure that you get the right cover for your needs.

Home insurance can be broken down into two sections; Buildings Insurance and Contents Insurance. Together they create a comprehensive product to allow customers to rest assured that their homes, and the possessions inside, are covered in the event that things may go wrong.

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Do I Need Home Insurance?

Having Home Insurance (Building and Contents Insurance) whilst often advised is not a legal requirement in the UK.

However, there are some scenarios in which you may be required to have at least one element of home insurance.

For example; if you have a mortgage on your home, your lender may request that you take out a buildings insurance policy to cover the property in the event of unforeseen circumstances, such as flood or fire.

What Type Of Home Insurance Do I Need?

What Is Buildings Insurance?

Home Buildings Insurance protects you against unforeseen costs in the event of damage or theft to permanent fittings inside the property, as well as structural damage to the property itself.

What Is Contents Insurance?

Home Contents Insurance safeguards your personal belongings within the house, covering the cost of replacing them in event of damage, loss or theft.

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Why Buy Your Home Insurance From Us?

1

Our Prices

We closely monitor our Home Insurance prices against our competitors to make sure that we are always highly competitive.

2

Transparency

We pride ourselves in having no hidden costs as we don’t charge for cancellations and amendments.

3

Our Products

We work with our underwriters, Sagic to provide specialist insurance products precisely created to meet our customer’s needs.

4

Our Company

Surewise is an established insurance intermediary specialising in home and care insurance products.

5

At Your Service

We understand the importance of providing someone to talk to, so our call centre in Essex is here to help you Monday-Friday 9am-5pm.

How Much Does Home Insurance Cost?

Contents

From £10.08

a month

  • All items inside the property, this can include, clothes, jewellery, DVDs, CDs, books, computers, garden furniture, appliances etc.
  • It also includes any tools that may be kept in a garage on the property and the contents of your freezer.
  • Contents insurance safeguards your personal belongings within the house, covering the cost of replacing them in the event of damage loss or theft.
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Buildings

From £16.80

a month

  • The structures (walls, roofs, garage, driveway, fences, shed).
  • Permanent fixtures and fittings (bathroom and kitchen fittings).
  • Repairs and partial or complete rebuilds after a disaster. Disasters covered, include storms, floods, subsidence and fire.
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Combined

From £19.60

a month

  • Combined insurance covers everything listed in the previous contents and buildings boxes.
  • Contents insurance safeguards your personal belongings within the house, covering the cost of replacing them in the event of damage loss or theft.
  • Repairs and partial or complete rebuilds after a disaster. Disasters covered, include storms, floods, subsidence and fire.
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Prices are split over 10 monthly payments and can also be paid in one annual payment. Prices are calculated by the risk factors associated with the area, claims history, estimated rebuild costs and possession cost estimates.

What's Covered By Home Insurance?

Partial/full Rebuild Cover Costs

Get up to £1m towards rebuilding costs with our Home policy.

Flexible Contents Cover

Because we know one size doesn’t fit all. We are flexible with our policies and can tailor them for your individual needs up to £100,000 worth of cover.

Accidental Damage Cover

Protects fixtures and fittings – and other items within your home too.

Landlords too

We’ll cover property owners, renters and homeowners.

Only One Excess To Pay

If you’re claiming under a combined buildings and contents policy.

Lock Replacement

Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash.

What Factors Affect Our Home
Insurance Quote Prices?

Sometimes the cheapest home insurance isn’t the right home insurance.
lots of things can influence the price you pay, here’s what we look at:

The building materials of your home. The way your property has been built and the materials used can impact your premium.

Where you live. Typically, if your home is in an area which is prone to flooding, you may be more likely to make a claim.

Optional add-ons.

  • Accidental damage to buildings and/or contents.
  • The coverage of personal possessions including loss and accidental damage away from the home.
  • Family legal protection to offer assistance during personal legal disputes.
  • Fridge Freezer contents cover
  • Bike cover

The number of claims being made. If the number goes up, due to things like extreme weather events, this could mean the costs to insure your home could go up.

Severe weather. We assess the likelihood of severe weather conditions happening in the future and how many of our customers may be affected.

Claims history. You will be offered a no claims discount if you have never made a claim or if it has been a long time since your last claim.

Our Underwriters

We are proud of our partnership with Sagic, The Salvation Army General Insurance Corporation as our underwriters.

Our partnership started over eight years ago now when we chose to have them as our underwriters. This decision was easy for us as we both have the same vision, to provide ethical insurance. We appreciate all the giving back that Sagic does and we are proud to be a part of that too.

We hope things run smoothly for you, but should you need to claim we want to ensure that this process is as seamless as possible. To achieve this we have the same member of staff deal with your claim from start to finish. This eliminates having to over explain and waste time which can cause added unnecessary frustration.

Home Insurance FAQ's

What Is The Best Home Insurance?

It is difficult to determine what Property Insurance is the best as each policy provider will offer different benefits and every policyholder may have different needs.

The most important thing is to choose the cover & company that is right for you for a price that is within your budget.

How Can I Save Money On Home Insurance?

Shopping around for your home and contents insurance is a surefire way of saving a few extra pounds. Fortunately, there are a number of comparison sites that allow you to compare home insurance however, it is worthwhile doing your research as some providers have exclusive offers that are not on price comparisons websites.

Are Electronic Devices Covered In My House Insurance Policy?

Typically speaking, electronic devices are covered within a home contents insurance policy.

Everything from your TV to your microwave will be covered if it is damaged, lost or stolen, providing you with a like for like replacement following an insured event.

What Do I Need As Proof Of Purchase?

A receipt would be the primary way to prove that you have purchased an item however this may not always be the case.

It is always best to check your policy wording and/or speak with the provider to double-check!

What Is Not Covered?

We would not cover any deliberate damage or criminal acts by any member of the household and any existing damage would not be insured. As well as the following:

  • Motor vehicles and their contents
  • Damage caused by domestic pets
  • Vermin or insects, liability for ownership
  • Possession or use of aircraft or drones

 

Are There Any Optional Extras?

  • Accidental damage to buildings and/or contents.
  • The coverage of personal possessions including loss and accidental damage away from the home.
  • Family legal protection to offer assistance during personal legal disputes.
  • Fridge Freezer contents cover
  • Bike cover

Where Am I Covered?

The policy covers Buildings in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. Personal possessions & Pedal Cycle cover is extended to 60 days worldwide.

What Are My Obligations?

To inform us of any change in circumstance and to do all that is reasonably possible to protect the property.

What Does Auto-renew Mean?

You can set your home insurance policy to auto-renew, ensuring you stay covered and saving the hassle of renewing. It is important to note that if anything changes that may affect your home insurance policy, you will need to inform us to make these changes.

You can set your policy to auto renew via the online portal, this can also be done over the phone.

When And How Do I Pay?

You can pay for your policy in no interest monthly payments that we split across 10 months with no additional charges for this option.

If you would prefer you can settle the amount in a one off payment. Payments can be made by bank transfer, direct debit or debit/credit card.

 

Can I Cancel My Policy?

You can cancel your policy within 14 days of purchase or renewal. If you cancel before the cover has started, we’ll refund the premium you’ve paid.

Our customers can also cancel their policies mid-term when giving a 30 days notice. For example, the policy would be deleted in 30 days if requested a cancellation today.

Where Can I Find My Policy Documents?

Your home insurance policy documents will be sent out automatically via email if you provide us with an email address within 5 minutes of your confirmation. Please note it is important to check your spam folder. If no email address is provided then we will post your policy documents to you.

You can request postal and an email copy if necessary.

Is Home Insurance Mandatory?

Whilst home insurance is not technically mandatory, some mortgage lenders may ask that you do have buildings insurance.

How Do I Make A Claim?

You can start your home insurance claims process off by giving us a call on our claims line: 0300 030 1865 and press option 2.

How Do I Know When My Property Was Built?

Whilst taking out a home insurance policy we will ask for the date in which your house was built. You can find this information by checking your mortgage valuation or a survey that you have had carried out.

If you get really stuck, checking with a neighbour with a similar house may help you to find an answer.

What Can Invalidate Your Home Insurance?

It is important to keep us updated with any changes to your property such as home renovations, incidents big or small, getting a lodger, and inflating the value of your contents. If you fail to inform us of any changes it may lead to the invalidation of your home insurance policy.

I Am A Student, Am I Covered Under My Parents Home Insurance Policy?

Yes, student accommodation contents are covered within the policy as standard for £10,000. Please note, this cover for student accommodation does not include Personal Possessions cover so it will not cover items outside of the accommodation.

What Is Considered Accidental Damage?

Accidental damage is sudden, unintentional and unexpected physical loss, breakage or damage caused to an item.

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