We asked our brokers what they wanted from a household policy, and we were told a comprehensive bedroom-rated policy. Our Household product is exactly that!
An easy to use, fully comprehensive policy where the premium is rated on the risk factors rather than the sum insured provided buildings cover doesn’t exceed £750,000 or contents cover £75,000.
Cover available
Our wide breadth of cover provides everything you would expect from a comprehensive insurance product and includes such features as:
- All usual perils are covered, including Subsidence and Accidental Damage
- The product provides cover for Buildings of £750,000 and Contents of £75,000 automatically (when that section is selected)
- For sums insured above these, simply overtype the values, and we then rate on the sums insured rather than the bedrooms
- Our standard policy excess is £100, with £250 for Escape of Water and £1000 for Subsidence
We can also cover:
- Properties undergoing refurbishment with structural alterations
- Private homes that contain rooms used for business or professional purposes
- Full & Limited Perils for Unoccupied Properties, up to £1,000,000 Buildings & £100,000 Contents
- History of Subsidence, Landslip & Heave
- Listed, Grade 1/A & Grade II/B
- Non-standard construction
Tailored Features and Extensions
We recognise that many households have specific insurable needs so we can extend our policy to offer a wide range of tailored features including:
- Hearing aids
- Hot tubs
- Marquees
- Mobility scooters
- Fine wines
