Adequate Contents Valuation
Most people underestimate their contents value. Include everything – clothes, books, kitchen items, electronics. The average UK household owns £35,000–£55,000 worth of possessions.
Home and Contents Insurance
Your home holds everything you've worked for and treasure most. When disaster strikes, the right insurance means you can rebuild and replace without financial worry.
The Financial Conduct Authority regulates general insurance advice.
Insufficient cover could leave you significantly out of pocket when you need to make a claim.
This information is for guidance only and does not constitute financial advice.
Home and content insurance guide
When your sanctuary needs protecting
Your home isn’t just property – it’s where life happens, memories are made, and your most precious possessions live. Whether it’s a kitchen fire, burst pipe, or break-in, the unthinkable can happen to anyone. Quality home insurance ensures you can restore your life without devastating financial pressure when you need support most.
Types of home and contents insurance coverage available:
- Structure, fixtures, and permanent fittings of your property
- Contents insurance protecting furniture, belongings, electronics, and personal possessions
- Accidental damage cover for mishaps like spilled paint, dropped TVs, or DIY disasters
- Personal possessions insurance covering valuable items when away from home
- Alternative accommodation providing temporary housing during repairs
- New for old replacement ensuring you get modern equivalents, not depreciated values
Buildings insurance protects the structure itself – walls, roof, fitted kitchens, and permanent fixtures. Contents insurance covers everything you’d take with you if you moved home.
Standard policies cover events like fire, theft, and storms, but not accidents. Adding accidental damage cover protects against everyday mishaps that can be surprisingly expensive to fix.
Your buildings sum assured should reflect rebuilding costs, not property market value. Rebuilding often costs more than market value, especially for period properties with unique features.
Many insurers use star ratings from independent firms like Defaqto. Higher-rated policies offer more comprehensive cover, additional benefits, and better claim experiences than basic alternatives.
Common home insurance considerations
Personal Possessions Away From Home
Laptops, cameras, jewellery, and mobile phones need specific cover when outside your home. Standard contents policies often exclude or limit coverage for items taken elsewhere.
Accidental Damage Worth Considering
If you have children, pets, or frequently entertain, accidental damage cover provides valuable protection. It covers everyday mishaps that standard policies exclude.
Alternative Accommodation Arrangements
If your home becomes uninhabitable due to insured damage, alternative accommodation cover pays for temporary housing while repairs are completed, reducing stress during difficult times.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by homeowners who value comprehensive protection
We've helped families find insurance that truly protects their homes and belongings when they need it most.
How can we help protect your home?
Find the right cover for everything you've built
Work with advisers who understand that your home deserves protection that actually works when disaster strikes.