Protection For Your Most Valuable
Physical Assets And Property
Explore the main types of property insurance, from buildings and contents to landlord cover, and understand what each is designed to do.
Start AI Consultation Your Property Is More Than Four Walls
The right insurance can help protect your home, belongings or rental investment when unexpected events occur.
Protect Your Home
Help protect the physical structure of your property against covered risks such as fire, storm or subsidence.
Protect Your Belongings
Cover may help protect eligible household contents and personal items against specified insured events.
Protect Rental Property
Landlord cover can be designed around the specific legal, tenant and maintenance needs of letting property.
Protect Your Financial Plans
Insurance can help reduce the financial impact of major repairs or liability claims.
Three Core Ways To Protect What Matters
Explore the main types of property protection and understand what each can be designed to do.
Home Insurance
Buildings insurance covers the structure of your home, and contents insurance covers your belongings. Many homeowners combine the two.
Contents Insurance
Can protect your belongings, such as furniture, electronics and jewellery, against insured events like theft or water leaks, subject to policy terms.
Landlord Insurance
Cover designed around the responsibilities of being a landlord, from a single let to a portfolio of properties.
Cover for Different Property Situations
Your property type and circumstances can influence the cover options available to you.
First Home
Buying your first home? Your lender will usually require buildings insurance to be in place, often from exchange of contracts.
Family Home
Check that your contents cover reflects everything you own, and whether you need cover for items taken out of the home.
Buy-to-Let Property
Rental properties usually need landlord insurance rather than standard home insurance.
Furnished Rental
If you let a property furnished, landlord contents cover can protect the furnishings you supply.
Multiple Properties
Some insurers offer portfolio policies that cover several rental properties under one policy.
Investment Property
Some landlord policies can include loss of rent cover if the property can't be let after an insured event.
Property Cover for
Contractors & Self-Employed Clients
If you work from home or contract away from home, your property cover may need to reflect that.
Home Office Tech & Equipment
Business equipment kept at home may not be covered by a standard contents policy, so check whether you need extra cover.
Unoccupied Property Terms
Working away for long periods? Many policies restrict cover if your home is left unoccupied for a set time, so tell your insurer.
Public Liability Endorsement
If clients visit you at home, you may need public liability cover, as home insurance may not cover business visitors.
Tell Your Insurer
Let your insurer know if you work from home, as it can affect your cover.
Know What Your Policy Is Designed To Do
Every policy has its own terms, limits and excesses. These are some of the events home insurance commonly covers.
Fire, Smoke & Explosions
Damage caused by fire, smoke or explosion, subject to your policy terms and excess.
Escape of Water & Freezing
Damage from burst pipes or leaking tanks. Some policies also include trace and access cover to find the source of a leak.
Storm & Severe Weather
Damage caused by storms, such as a damaged roof, depending on how your policy defines a storm.
Theft & Forced Entry Damage
Stolen contents and damage caused by a break-in, subject to your policy's security conditions.
Accidental Structural Damage
Accidental damage, such as drilling through a pipe or cable, is often available as an optional extra.
Property Owner Liability
Can cover claims if someone is injured or their property is damaged because of your home, up to your policy limit.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
Protection Designed Around Your Specific Property
Optional extras and cover features worth asking about when you arrange property insurance.
Home Emergency Cover
Often available as an add-on, home emergency cover can help with urgent problems such as a boiler breakdown, up to your policy limit.
Legal Expenses Protection
Can help with legal costs for issues such as boundary disputes or, for landlords, tenant evictions, subject to policy terms.
Outbuildings & Grounds
Garages, sheds, walls and gates are often included in buildings cover, but check your policy's limits and exclusions.
Trace & Access Repair
Some policies cover the cost of finding a hidden leak, such as lifting floors or opening walls.
Rent Guarantee & Default
Landlords can add rent guarantee cover, which can pay rent if a tenant falls into arrears, subject to policy terms.
High-Value Art & Jewellery
Valuable items may need to be listed individually on your policy, as most policies have a single-item limit.
Smart Home & Solar Tech
Tell your insurer about solar panels, battery storage or an EV charger, so they're included in your cover.
Replacement Key & Lock
Some policies include cover to replace locks if your keys are lost or stolen, up to your policy limit.
Make Your Property Cover Application Effortless
Having the right details ready makes arranging property cover quicker.
Property Details
Have details of your property ready, such as its type, age and number of bedrooms, which insurers use to assess it.
Flood & Subsidence History
Insurers may ask whether your property has flooded or been affected by subsidence.
Lender Requirements
Your mortgage lender may have requirements for your buildings insurance, so check them before you buy cover.
Choosing Your Excess
A higher voluntary excess can lower your premium, but means you pay more towards each claim.
Policy Documents
Keep your policy schedule to hand, as your solicitor or lender may ask for proof of buildings insurance before exchange.
Rebuild Cost Reviews
Many policies index-link your buildings sum insured each year, but it's still worth reviewing it so you're not underinsured.
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Common Questions
Everything you need to know about property insurance
What is the difference between market value and rebuild cost?
Market value is what your property would sell for, while rebuild cost is the estimated cost of rebuilding it from scratch, including demolition and professional fees. Buildings insurance should be based on the rebuild cost.
Is buildings insurance mandatory for my mortgage?
Mortgage lenders usually require buildings insurance to be in place, often from exchange of contracts. If you're buying a leasehold flat, the building may be insured by the freeholder instead.
Are outbuildings, boundary walls, and fences covered?
They're often included in buildings insurance, but limits and exclusions vary, so check your policy.
What happens if my rental property remains unoccupied?
Many policies restrict cover if a property is left unoccupied for a set number of days, so check your policy and tell your insurer. Specialist unoccupied property cover can be arranged for longer periods.