Why Choose us?
- New for Old Home Insurance
- Accidental Damage available with your Home Insurance
- Option to include items away from the home
- Cover for valuable items and collections
- Cover your mobiles, MP3's and Laptops
- Flexible excess with your Home Insurance
- Contents in the garden
- Contents kept in outbuildings
- Frozen food
- Family legal expenses
- Non standard risks
Home Insurance and House Insurance, including Building and Contents Insurance, is selected from only home insurers with a proven track record for excellent claims and customer service. This way we are confident in the home insurance policies we offer.
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All Risks Cover
This is an extension to the standard contents policy. It allows you to insure your personal possessions away from the property, anywhere in the world: If you own cameras, camcorders, jewellery and similar possessions then it may be a good idea to make sure these are covered away from the home The all risks section covers the items against accidental loss, damage and theft usually with a single item limit of £1,500. Items valued more than £1,500 can be be specified so they are also covered. The cost of this section depends on the amount you choose to insure. As an indication £2,000 all risks cover will increase the premium by approximately £30 - £40.
What is Leasehold?
There are different tenures or categories of ownership of property in England. The most widely known is freehold ownership. The freeholder owns the property (including the land) outright. Most house owners are freehold owners, though leasehold houses do exist.
Generally for leasehold, the building and the land are owned by the freeholder (otherwise known as the landlord/lessor), who grants someone else the right to use the property for a period of time. This is done by granting a lease. The person it is granted to is called the lessee or the tenant. This type of ownership is called leasehold.
At present, if you buy a flat, you will always be buying a leasehold interest. However, a new tenure known as commonhold was introduced in September 1994. This tenure is for interdependent properties and allows the flat (or unit) for example, to effectively be held on a freehold basis. The manner in which commonhold works is fundamentally different from leasehold and as such, advice on this tenure should be sought from Her Majesty's Court Service, Land Law Team, International and Property Branch Civil Law and Justice Division, 4th Floor, Selbourne House, 54 Victoria Street, London, SW1E 6QW.
If you buy a house, you will nearly always be buying the freehold - although with some houses you may be buying a leasehold. These houses are predominantly in the North and South West of England, although some are in London and other areas of the country. This section tells you what rights you have if you own a leasehold, either to extend the lease, or to buy the freehold itself.
Valuable and High Risk items
When it comes to home content insurance, UK insurers do not necessarily consider the most expensive items in your home as the greatest risks.
All policies have a limit within the contents sum insured you have selected for Valuable Items. Insurers differ on what they consider valuable items but we have put together a list of the most popular items.
- Silver or precious metal
- Works of art & curios
- Stamp or coin collections
- Business equipment
- Clocks & watches
- Cameras, camera equipment & binoculars
Typically the insurers will allow 25% of your total contents cover to be made up of valuables (the items above) Example Your contents cover is £40,000. 25% valuables limit is £10,000.
Also look out for single item limits within the overall valuables limits. Most insurers have a single item limit of £1,500 so any individual items or collections above this limit will need to be specified on your policy.