Cover that actually fits your home

We arrange buildings and contents cover that actually fits your property and circumstances, backed by personal advice from an FCA-regulated broker.

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FCA Authorised & Regulated
FSCS Protected
Personal Advice
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Why use a broker?

A price isn't a recommendation.

A comparison site gives you a list. We give you a personal recommendation, explaining exactly why a particular policy suits your home and circumstances. The difference matters most when you need to make a claim.

WHAT WE COVER

Buildings and contents

Home insurance has two main parts. Most homeowners need both. Here's what each one actually covers.

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Buildings Insurance

Covers the physical structure of your property. Usually required by mortgage lenders.

  • Walls, roof, floors, and ceilings
  • Fitted kitchens and bathrooms
  • Windows, doors, and garages
  • Permanent outbuildings
  • Fire, storm, flood, and escape of water
  • Subsidence and accidental damage (if included)
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Contents Insurance

Covers your personal belongings inside the home. Tenants usually only need this.

  • Furniture, appliances, and electronics
  • Clothing and personal valuables
  • Jewellery (subject to single-item limits)
  • Fire and theft
  • Water damage and (if added) accidental damage

What's typically not covered

  • Wear and tear or gradual deterioration
  • Poor maintenance
  • Pest damage
  • Intentional damage
  • High-value items may require separate declaration or specialist cover — speak to us before assuming they are included
  • Business activities at the property (unless arranged)

WHO IS THIS FOR

Home insurance for your situation

We cover a wide range of clients, from standard homeowners to tenants, landlords, and high-value properties.

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Mortgage

Buildings insurance is typically required by lenders. We make sure your cover meets their requirements and yours.

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Cash buyers

No lender requirement doesn't mean no risk. We help cash buyers get proper financial protection for their asset.

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Tenants

Contents-only cover for renters, protecting your belongings without paying for a building you don't own.

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Landlords

Standard home insurance doesn't cover rental properties. We have the right product for you.

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High-value homes

For homes with significant assets, specialist cover may be more appropriate than a standard policy.

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Homes under renovation

Standard policies may restrict or invalidate cover during building works. We can help with that too.

HOW IT WORKS

Covered in 3 steps

A real conversation, a clear recommendation, sorted

1

Tell us what you need

We skip the generic forms and ask the right questions upfront to understand your exact situation

2

We search the market

We find the best specialist covers for your profile and clearly explain your options.

3

You're covered

You get a clear recommendation. We handle the paperwork and provide ongoing support.

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Not sure what you need?

We'll talk you through it. If you're unsure which cover is right for your situation, or whether your existing policy reflects how your property is used, we're happy to review it.

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