INSURANCE PROTECTION

Covers the structure of your home, including walls, roof, and floors, against damage caused by events such as fire, flooding, vandalism, or natural disasters.

Covers legal costs if you need to take or defend legal action related to your home, such as disputes with neighbours or contractors.

Provides a regular income if you're unable to work due to illness or injury, helping cover mortgage payments and other living expenses.

​If you run a business from home, this can cover business equipment, liability, and loss of income.

​Pays out a lump sum in the event of your accidental death, providing financial support for your dependents.

​For homeowners who are purchasing their council property under the "Right to Buy" scheme. This insurance can offer protection if the buyer is unable to continue with the mortgage or faces financial difficulties.

Protects personal belongings inside the home, such as furniture, electronics, and clothing, against loss, theft, or damage.

​Pays off your mortgage or a portion of it if you die, ensuring your family isn't left with the burden of a mortgage debt.

Covers monthly mortgage repayments if you lose your job (usually subject to certain conditions).

For properties with higher-than-average value or unique features, this type of insurance offers bespoke cover, including fine art, jewellery, and specialist repairs.

Pays out for injuries caused by accidents, which may be particularly useful if you’re a homeowner and need to cover temporary or permanent disability.

Tailored policies for first-time buyers, which may offer more affordable premiums or different coverage options to fit the needs of new homeowners.

​A package that covers both the property structure and the belongings within the home.

​Covers mortgage repayments in case you become ill or lose your job, ensuring that you can still pay your mortgage during periods of financial difficulty.

​Offers additional protection against accidental damage to both the building and contents (e.g., spilling paint or breaking a window).

For homes that are listed or in conservation areas, ensuring the proper repairs or rebuilding work is done using materials or techniques that preserve the building’s historic value.

Covers the cost of repair or replacement of household appliances such as fridges, washing machines, and boilers.

​A government-backed insurance scheme designed to make flood insurance more affordable for homeowners living in high-risk flood areas. It offers coverage for homes that may otherwise struggle to get insurance in flood-prone areas.

Provides assistance with emergencies like burst pipes, boiler breakdowns, or other urgent home repairs.

​Pays out a lump sum if you’re diagnosed with a critical illness, such as cancer, heart attack, or stroke, which could prevent you from working or paying your mortgage.

A separate policy or add-on that provides cover for properties in flood-prone areas, as standard home insurance may not cover flood damage.

Provides coverage for second homes or holiday homes, particularly if the property is left vacant for long periods

If you’ve recently built or renovated your home, this insurance provides protection for defects in construction work or materials used, typically for a set period.

​Some insurers may offer coverage that covers the cost of a mortgage payment holiday during financial hardship or a temporary loss of income, such as during sickness or unemployment.