About the policy

Specialists in insurance since 1971, you can trust us to know the ins-and-outs of protecting your home. Offering products from a range of leading insurers such as Ageas, AXA, Covea, and Royal & Sun Alliance1, our home policies are designed to give affordable cover without cutting corners or skimping on the essentials.

Many of our customers enjoy travelling and overnight stays in their leisure home, motorhome, or caravan. Protecting your home while you’re away on holiday is as important as packing your suitcase. Forget the sun cream and you might be in for an uncomfortable trip. Fail to insure and secure your home, and it may be more than just your fingers that get burnt.

1 We aim to partner with insurers who have at least an A rating. A-rated insurers are independently assessed as financially stable with the means to pay should you have a claim.

What does our residential home insurance cover?

There’s a lot to think about when insuring your home and it can be easy to overlook something important which changes the cover. Avoid lengthy online form filling and give us a call so we can find out what you need, search the market for the best options, and explain what’s included and excluded from the policies we recommend.

Recognising that many of our customers spend time away travelling, we’ll ask you how often you’re away from home and for how long. We’ll discuss important optional extras, such as legal expenses, key protection and home emergency cover. And, if your home is particularly valuable or out of the ordinary, we’ll speak with you about high value home insurance too.

When choosing a policy, it’s important to know what’s included and excluded. Our summary below provides information common to many of our home products. No policy protects you against every scenario and it’s best to read our policy documents to understand the conditions and exclusions that apply.

What's covered

  • Enjoy time away from home, safe in the knowledge that your property’s protected
  • If your home is broken into, you’ll be covered for damage and replacement items
  • Keen cyclist? Talk to us. Many of our products offer bicycle cover options
  • Travel with valuable possessions? Tell us about your treasures and we’ll cover those too

What's not covered

  • Many personal possessions and bicycles aren’t covered as standard, so call us for a chat
  • Limitations and exclusions can apply if you’re away from home for 30 days or more, so make sure you tell us if you’re taking a longer trip
  • Your home insurance doesn’t generally cover motorised vehicles, including caravans. For peace of mind, ensure you get separate cover

Policy enhancements

  • Home emergency - Up to £500 to pay for emergency repairs following certain incidents in your home
  • Home excess protection - We will reimburse you for the excess on your home insurance policy following a claim on your vehicle/home insurance
  • Key cover - Provides cover for the costs to repair or replace keys in the event of damage, theft or loss
  • Family legal - Up to £50,000 for professional fees if you need to take legal action following certain insured events

Policy documents

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Home emergency insurance
PDF 449.24 KB
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Home excess reimbursement insurance
PDF 398.22 KB
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Key cover insurance (purchased on/after 01.04.20)
PDF 245.69 KB
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Key cover insurance
PDF 152.97 KB
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Family legal expenses insurance (purchased on/after 01.04.20)
PDF 148.58 KB
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Family legal expenses insurance
PDF 112.57 KB


Your policy documents provide important information about how to make a claim. Your claim will be handled by our insurance partner who is committed to providing an outstanding service when you need it most.

As an independent, family-owned business, giving you good old-fashioned customer care is important to us. Should you experience any difficulty progressing your claim, we’ll also be on hand to help.

What are your finance options?

Choosing the right protection for your residential home is important. Spreading the cost of your insurance can help make it more affordable.

Premium finance options allow you to pay in regular instalments. With flexible payment dates and online account management, credit agreements are also easy to renew, ensuring you’re always protected.

Close Brothers Premium Finance, our award-winning finance partner2, has been making it easier for people across the UK and Ireland to manage their money for over 40 years.

We believe in making insurance straight-forward and easy. When it comes to pay, you can choose from several options, please click here for details.

2Insurance Choice Awards Winner 2018. Insurance vendor of the year