HOME COVER
Buildings & Contents Insurance
Superior home insurance with agreed-value settlements and worldwide contents protection.
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Home Insurance That Truly Protects
Your home and possessions represent years of investment and personal attachment. Standard policies with arbitrary limits and complex exclusions can leave you underinsured when you need cover most. Our buildings and contents insurance provides comprehensive protection with agreed values, no single-item limits on contents, and worldwide cover for your possessions wherever you take them. If your home is in the area, our guide to insuring properties in Mayfair covers the considerations that apply to period homes in the district.
What's Included
Buildings Cover
Full rebuilding cost cover based on professional survey, including non-standard construction.
Contents Worldwide
Your personal possessions covered at home and anywhere in the world with no single-item limits.
Accidental Damage
Full accidental damage cover for buildings and contents as standard, not an expensive add-on.
Alternative Accommodation
If your home is uninhabitable, we cover the cost of temporary accommodation for you and your family.
Home Emergency
Optional 24/7 home emergency cover for boiler breakdowns, burst pipes, and electrical failures.
Garden & Outbuildings
Cover for sheds, garages, fencing, gates, and garden features including hot tubs and play equipment.
Why Home Insurance Should Be Tailored, Not Off-the-Shelf
Accurate Rebuild Costs
We calculate your rebuild cost properly — accounting for local labour rates, material specifications, and planning requirements. An inaccurate rebuild figure can invalidate your entire policy.
Contents Without Caps
Standard policies cap single-item limits at £1,500–£2,000. Our policies individually schedule high-value items at their agreed worth with worldwide cover as standard.
Accidental Damage
Spilled wine on a silk rug, a door slammed into a wall, a laptop dropped down stairs — accidental damage to buildings and contents is included, not an expensive add-on.
How We Protect Your Home
1. Home & Contents Review
We assess your rebuild cost, total contents value, and any high-value individual items. We also review home security, construction type, and flood or subsidence risk.
2. Specialist Policy Placement
We go beyond comparison sites to specialist home insurers and Lloyd's syndicates — finding policies with wider cover, higher limits, and better claims service than high-street alternatives.
3. Annual Revaluation
Building costs and contents values change. At each renewal, we review your sums insured against current indices and adjust them — so you are never caught underinsured.
Frequently Asked Questions
Buildings covers the permanent structure — walls, roof, floors, fitted kitchens. Contents covers everything you'd take with you if you moved.
We recommend a professional rebuild valuation rather than relying on market value. We can arrange this for you.
Yes, our policies include worldwide contents cover. High-value items like jewellery are covered wherever you are.
Speak to a private broker
Get the right cover for Buildings & Contents Insurance.
Tell us what you're protecting — your dedicated broker prepares a tailored quote and calls you back the same business day. No call centres, no queues, no scripts.
Independent broker · FCA authorised & regulated · 30+ years placing UK cover