HOME INSURANCE

WHY CHOOSE UK & IRELAND FOR MY HOUSEHOLD INSURANCE?

As an insurance broker we aim to find suitable products to match your needs.
We survey the market for you, saving you the time of shopping around various companies and leaving you with the time to concentrate on making your new house a home.

BUILDINGS AND CONTENTS INSURANCE

Whether you require a combined house contents and buildings insurance quote, stand alone buildings insurance and/or a contents insurance quote - we will  search the market to provide you with comprehensive cover at budget premiums.

NEED A QUOTE FOR CONTENTS INSURANCE PLEASE FOLLOW RELEVANT LINK BELOW

If you would like to speak to us about an insurance quote please fill in the form provided and we'll get back to you asap click here

To get an online quote click here.

For more information about home insurance for home owners within The Republic of Ireland, click here.
 To get an online quote click here.

HIGH VALUE HOME INSURANCE

Insurance cover for owners of high value homes, often referred to as "High Net Worth" home insurance. High Net Worth Home Insurance provides cover for homes where suitable high value buildings and contents insurance sums insured are required. Optional cover for fine art, jewellery, antiques and valuables insurance is also available for complete peace of mind.

STUDENT CONTENTS & POSSESSIONS INSURANCE FOR STUDENTS IN IRELAND

Home contents and possessions insurance for students studying in the Republic of Ireland.
Click on the 'get a quote' button below for a Student Contents and Possessions Insurance in Ireland.
For further details about our range of student insurance products for students in Ireland click here

STUDENT CONTENTS & POSSESSIONS INSURANCE FOR STUDENTS IN THE UK

Home insurance for students living in halls of residence or shared student accommodation in the United Kingdom. To find out more about Student Possessions Insurance in the UK click here

TENANTS CONTENTS & POSSESSIONS INSURANCE

Home contents and possessions insurance for professionals living in private rented accommodation within the United Kingdom.

WHY DO I NEED HOUSEHOLD INSURANCE?

Buying your own home is more than likely the biggest investment that an individual makes.
After all the time it has taken you to save for a deposit, you’ve then got your mortgage offer and have gone through the painstaking viewings process to find your new home, but do you spend enough time to seek out the right home insurance policy?

Remember that this is your biggest investment so it needs protecting in the right manner.

The Bank/Building society that are providing you with your mortgage will want to know that adequate cover levels are in place to protect its investment and will have provided you with minimum sums insured in relation to re-building costs in their mortgage offer.

Household insurance is normally split into 2 main sections, buildings and contents. Most insurers will offer discounts for them being together on the same policy, but it is possible to separate them if you prefer.

Your buildings will need to be up to the cost of the property being totally rebuilt if the worst happens and include the costs of demolition. Your contents insurance should be based on replacing all the goods in your home if they were all stolen.

CONTENTS:

To take out household contents insurance you do not need to be the house owner, remember people living in rented accommodation are just as much at risk as those that own their own homes as there is no way of knowing when a fire or burglary will occur and the fire or the burglar doesn’t ask the question “do you own your own home? – No? Ok we’ll go next door.”

It’s not just the stolen items that have to be replaced when a property gets burgled normally there is quite a bit of damage to the property – such as damage to doors & windows in order for the thief to gain entry to the property.

If you are living in rented property damage caused by the burglar gaining entry to the property should be covered under the landlords insurance policy (click here for information on landlord’s insurance).

WHAT DOES A CONTENTS POLICY TEND TO PROTECT ME AGAINST?

Most policies will cover you for the loss or damage to your property as a result of:
  • Theft or attempted theft
  • Fire
  • Explosion, lightning or earthquake
  • Smoke
  • Storm or flood
  • Escape of oil from fixed domestic heating installation
  • Escape of water from washing machines, dishwasher, refrigerator or freezer, fixed domestic water or heating installation.
  • Impact within the insured address involving a vehicle or animal (but will normally excluded domestic pets that you are responsible for).

Some policies may have an extension to cover your goods away from the home, this is normally known as the “All Risk” section but some insurers will have a different name such as “personal possessions / valuables section”. “All Risk” cover tends to include cover for items within the territorial limits (please check your insurer’s details as some will be limited to the UK and others will included up to 90 days cover worldwide or in Europe for certain items), against theft or accidental damage again please check your insurer’s definition as certain items may be excluded or need to be specified on the policy, for example, it may be a condition of the policy that any item over £1,000 has to be specified on your insurance document.

WHAT TYPES OF LOSS DO I NEED COVERING UNDER HOME BUILDINGS & CONTENTS INSURANCE POLICY?

  • Theft damage
    When we think of theft we also need to remember that this needs to cover the damage to the home as we know thieves don’t tend to knock when they come and steal from your home they tend to break in by forcible entry through a door or a window.
  • Storm  damage
    • Storm damage can happen quite frequently within the UK and I don’t mean the Prefect Storm film with George Clooney, only recently the whole of the UK was on red alert for St Jude’s Day storm where winds reach speeds of 100mph.he storm not only caused damage to homes, businesses and travel disruption it also claimed 4 people’s lives. http://www.bbc.co.uk/news/uk-24699748
    • Insurance giants Aviva and RSA reported that the damage will cost them £75 million (£10 million Aviva and £65 Million RSA) which gives some indication of the damage caused. http://www.mirror.co.uk/money/city-news/storm-st-jude-leaves-aviva-2688081

WHAT TYPE OF DAMAGE DO WE ASSOCIATE TO STORMS?

  •  Most visual ones we tend to relate to would be falling trees into properties, roofs be taken off buildings due to the wind etc
  • Flood damage
    • “In 2012, insurers received 411,300 claims totalling £690m for damage to homes as a result of floods and storms, the ABI said.”
  • Subsidence or heave cover
    You might wonder what subsidence and heave actually mean:
    • Subsidence is where the ground under your property moves downwards, normally when the ground is too dry.
    • Heave is where the ground seems to move up due to the ground swelling, normally due too much water linked with expansive soil (soil with clay content) causing the ground to expand and move upwards.
    • Both of these causes tend to cause structural damage to your property with cracks most notably appearing in your buildings meaning repair work such as under pinning the property may need to occur in order to stop further damage and allow repair work to occur.

PERSONAL INSURANCE PRODUCTS FROM UK & IRELAND INSURANCE

Home Insurance | High Net Worth Home Insurance | Landlords Buy To Let Insurance
Mobile Phone Insurance | Student Possessions Insurance | Tenants Possessions |
Annual Multi Trip Travel Insurance | Single Trip Travel Insurance | Holiday Insurance
Backpacker Travel Insurance | Gap Year Travel Insurance | Studying Abroad Insurance

BUSINESS INSURANCE PRODUCTS FROM UK & IRELAND INSURANCE

Business Liability Insurance | Business Premises Insurance | Directors & Officers Insurance
Employers Liability Insurance | Home Worker Insurance | Professional Indemnity Insurance
Public Liability Insurance | Shop Insurance | Commercial Vehicle | Motor Fleet | Van Insurance

OTHER WEBSITES FROM UK & IRELAND INSURANCE

Cover4BuyToLet.co.uk- Insurance for Landlords and owners of buy to let properties.
Cover4MobilePhones.co.uk- Specialist Insurance for mobile phones.
Cover4Students.com- Specialist Insurance for students in the United Kingdom.
Cover4Students.ie- Specialist Insurance for students in the Republic of Ireland.
Cover4Travel.com- Online Travel Insurance from UK & Ireland Insurance.
Saxoninsurance.com-Online Insurance services for students, graduates, nurses & young professionals.