Telephone: 01460 53095 or 01460 52807

Household Insurance

For most people the purchase of their home is the most significant investment they will ever make. Therefore we believe insuring your investment correctly is a simple and logical way you can protect your future.

The best way to insure your property is to identify your needs and then find a policy that suits you. Never find a policy that is the "right Price" and try and convince yourself the cover is adequate.  We will take time to understand your needs and help find a policy that is suitable for your needs.

When choosing to insure your home you must consider the value of the following items;

  • Buildings sum insured (amount it would cost to re-build your home)
  • All your contents; furniture, electrical & white goods, pictures ornaments & mirrors
  • High value items, such as jewellery, paintings, antiques, precious metals. Some Insurers now include Electrical equipment such as TV's and Computers as High Value items.
  • Personal possessions; jewellery, watches, sports equipment etc. that are likely to be taken away from the home.
  • Items insured within the home are normally insured on a "new for old" basis, meaning in the event of a claim for an insured item you would get a new replacement.
  • Consideration should be given to carpets and "fitted" furniture. Some insurers would consider these to be part of the building sum insured, so please make sure you include these items.
  • Further discounts are available if you combine both buildings and contents insurance into one policy and whilst not as large as those applying to motor insurance, a no claim discount is offered by most insurers.

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