Our Home Insurance
Your house or flat 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 houses, appartments and the possessions inside, are covered in the event that things may go wrong.
Do I Need House Insurance?
Having House 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 House 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.
It provides repairs and partial or complete rebuilds after a disaster.
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.
Key Cover to cover the cost of replacement keys or locksmith assistance for your scooter, home and car key.
Why Buy Your House 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
Our Product
We have a very close relationship with our underwriters sagic, which allows us to create specialist insurance products to meet your needs and to provide an ethical claims-handling process.
3
Transparency
We don’t believe our customers should be charged for amending or cancelling their policies. We offer pro-rata refunds, so you can cancel your policy within a minimum of 30 days’ notice and receive a refund.
4
Easy Payment Options
You have the option to pay with credit or debit cards, including American Express, by Google Pay or Apple Pay, and either online or by telephone. You can decide whether to pay for your policy annually or with monthly payments.
5
At Your Service
We have a dedicated team of customer service agents based here at our headquarters in Essex, so you can talk to an expert about your policy before or after taking out your policy.
How Much Does Our House Insurance Cost?
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.
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.
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.
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 Is Covered By Our House 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.
-
Lock Replacement
Keys lost or stolen? We’ll replace your locks so you’re safe and sound in a flash. -
Only One Excess To Pay
If you’re claiming under a combined buildings and contents policy.
What Factors Affect Our Home Insurance Quote Prices?
Sometimes the cheapest house insurance isn’t the right house 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
Our house insurance is underwritten by The Salvation Army General Insurance Corporation Ltd (sagic). Sagic are owned by The Salvation Army and support the diverse work of the renowned global charity. This means when you buy a policy, you will help fund vital community projects across the UK.
