Health
Home insurance has two halves and most confusion comes from mixing them up. Buildings cover rebuilds the structure — walls, roof, floors, fitted kitchens. Contents cover replaces your belongings — furniture, electronics, clothes. You can buy them together or apart, but the sums insured must each be right.
Get the rebuild value right
Insure for the cost of rebuilding, not the market price — they are rarely the same. An understated sum means the insurer can reduce any payout proportionally, even for a small claim. We run a rebuild calculator with every quote so the figure reflects your postcode, size and construction.
The extras worth considering
Accidental damage turns a standard policy into one that survives real family life. Home emergency cover sends a plumber or electrician the same day. Legal expenses help with boundary disputes and contractor problems. And if you work from home, tell us — business equipment often needs a listed addition.
- Buildings and contents sums checked separately.
- Accidental damage for homes with children or pets.
- Alternative accommodation that matches your household size.
- Annual photo inventory so claims never stall.
Send us your renewal letter and we will audit it line by line — free.
