** Home Insurance

Buildings & Contents Insurance

Your home is likely to be your biggest asset so you need to make sure it’s covered by the correct home insurance policy.

We have a wide range of home insurance policies available for properties of all types, including ‘high net worth’ policies, catering for larger houses or those with high value contents. It is possible to arrange insurance for your buildings and your contents separately, or as a combined policy covering both. You can also choose to include optional extras such as enhanced cover for sporting equipment or for garden furniture.

We will discuss your requirements in detail to find the most suitable policy for your needs.

Personal advice

Expert advice from our team of advisers is available before you buy and as often as you require it afterwards.

Buildings, contents or both

You choose whether to insure the buildings, contents or both. There are extra covers available too depending on what you require.

Flexibile cover

We offer flexible levels of cover to suit your requirements, so you only pay for what you need.

Snappy response times

You don't have to wait around. Once your policy is active we'll email your policy documents to you in a matter of minutes.

Policy highlights

Property Valuation

It is advisable to obtain a professional valuation for your buildings to ensure that you set the correct limit for insurance purposes. We have negotiated discounted rates with Barrett Corp Harrington (BCH) who would be happy to help in this respect.

Standard cover

Cover normally includes:
  • Negligence
  • Liability for dishonesty
  • Liability for lost documents
  • Libel and slander
  • Breach of warranty of authority

Extensions

Common extensions include:
  • Loss of documents
  • Collateral warranties
  • Occasionally, some insurers will offer cover for the litigation costs of recovering unpaid fee accounts

Exclusions

Typically, policies will exclude:
  • Death or bodily injury
  • Loss or damage to physical property
  • Punitive or exemplary damages
  • North American offices
  • Liability to other insureds
  • Nuclear risks
  • Claims and circumstances known at inception of the cover
  • Acting as contractor
  • Onerous collateral warranties

Our clients say

"Exceeded my expectations. I'm very pleased with the service that I received from this company. The service and the quote far exceeded my expectations and I would recommend this company to others."
Feefo
Customer experience rating
"Excellent, helpful and friendly service as always with knowledgeable advice - Sarah Preece is a great credit to the company, due to her outstanding service we will recommend anyone seeking insurance to contact John Heath without hesitation."
Feefo
Customer experience rating