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Home Insurance

Protect the home that protects you

We know that home insurance means having the reassurance that your property and belongings are financially protected should the unexpected occur, so like everyone you probably shop around to get the best possible deal. Fair enough, so do we. In fact, as an insurance broker that is what we do! Our expert team searches the market every day for thousands of customers. Don't waste your time entering the same information over and over again comparing your options when our team can do all of that for you. 

We negotiate on your behalf with our large panel of insurers from right across the UK and Europe. It is our job to find you the best possible price and cover that meets your needs, giving you complete peace of mind so you can tick insurance off your list and get on with the important things. 

Choose your cover

Buildings Cover

Buildings

Buildings insurance covers the cost of damage to the structure of your property, as well as fixtures and fittings. A simple way to think about what falls under Buildings or Contents Insurance is to imagine flipping your house upside down - everything that is fixed and doesn’t move generally falls under Buildings Insurance.

Contents Cover

Contents

Contents Insurance covers the replacement of your belongings if they have been damaged or stolen. As a general rule, anything that isn’t fixed down needs to be included in your “contents insurance”. This is ideal for people who are renting.

Buildings And Contents Cover

Buildings & Contents

Joining both building and contents Insurance in one comprehensive policy gives you that extra layer of protection should the unexpected occur and it can often work out cheaper.

Tailor your policy

It is important to ensure your cover matches your needs, so our team will put together a policy that's designed around you and your home which can include:

  • Working from home cover
  • Contents cover away from home
  • Home Emergency
  • Accidental Damage
  • Students contents cover is FREE for those studying away from home
  • Replacement of old contents with new ones
  • Cover for personal possessions if lost abroad
  • Trace and Access

Boost your cover

Home Emergency Cover

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KeyCare

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Legal Protection

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Home Emergency Cover

In your hour of need, we will arrange for an emergency call-out to your home to carry out repairs, up to the value of £500. For example, if a pipe bursts, we will locate and dispatch a plumber or if your external doors or windows are damaged due to a break in, we will organise for someone to render the property safe and secure. 

Benefits include: 

  • Cover for heating system failure, roof damage, burst pipes, plumbing issues, property damage and loss of keys. 
  • Overnight accommodation in the event your property becomes uninhabitable, up to the value of £250. 
  • 24/7 Emergency Assistance Helpline. 
  • Up to 4 callouts per year. 

*Exclusions and Terms and Conditions apply. 

KeyCare

Many home insurance policies already offer a level of protection for your keys such as replacing keys broken in your lock but what about when you lose your keys? 

Enhanced KeyCare means you can avoid the stress and hassle of replacing lost keys. We will supply you with a keyring to register and then attach to your keys.   

It covers you for the loss, theft or breakage of all the keys on that keyring, including both your home and car keys! 

Key features and benefits*: 

  • KeyCare cover offers a finder’s reward to help recover your lost or stolen keys. 
  • Assists you in getting home safely following the loss or theft of your keys. 
  • Emergency helpline available 24 hours a day, all year round. 
  • Up to 3 days vehicle hire when your vehicle is not usable as a result of lost or stolen keys. 
  • Covers ALL the keys attached to the KeyCare fob Up to £1500 worth of cover per annum. 
  • Covers you for locksmith charges, replacement locks and keys when lost or stolen. 
  • Covers the cost of transport/ hire car if required as a result of lost, stolen or broken keys. 
  • No excess to pay. 
  • No limit on the number of claims you can make. 
  • Your No Claims Bonus on your other insurance policies will NOT be affected if you make a claim. 

*Exclusions and Terms and Conditions apply. 

Legal Protection

Legal Protection means you always have immediate access to legally qualified staff via our 24-hour helpline giving you the advice you need. 

Should you wish to make a legal claim, it offers you and anyone living with you, up to £50,000 per claim for legal costs relating to your home be that as a result of personal injury or faulty workmanship. 

Benefits* include:   

  • Covers you up to £50,000 for any one claim. 
  • Covers personal injury, property infringement, property damage, faulty goods and workmanship.  
  • Covers you and any member of your family permanently living with you. 
  • Covers loss of salary or wages for the time off work to attend any court or tribunal hearing when pursuing or defending legal proceedings. 
  • Covers employment disputes and costs to pursue legal action. 

*Exclusions and Terms and Conditions apply. 

Handy details to have for a home insurance quote

  • Details of your property
  • Personal details
  • Previous claims history
  • Security of your home
  • Rebuild cost of your home
  • Contents value

Popular queries

1. If I move, do I need a new policy?

2. What does Trace and Access mean?

3. What are the key points to consider when making a home insurance claim?

1. If I move, do I need a new policy?

If you have buildings and contents insurance, you will be able to transfer the cover to your new home. However as insurance premiums are based on where you live and what type of house you have, we will have to recalculate your new premium. Therefore, it is imperative to get in contact with us. 

2. What does Trace and Access mean?

If you have a leak, finding the source of it can be very difficult, disruptive and expensive. If you have “Trace and Access” included within your home insurance policy we will send someone out to investigate, covering the cost of finding exactly where the leak is.

3. What are the key points to consider when making a home insurance claim?

  • If you’re burgled, call the police for a crime reference number 
  • Next, ring your insurer to submit a claim 
  • Take photos as evidence. 
  • If repairs aren’t urgent, make sure your insurer agrees to any work before getting it done 
Personalised Service

Here to keep you right

Whether you are a new customer or you are renewing your home insurance with us again this year, our expert team personally search our vast insurance panel to find you the best deal that meets your individual needs, making sure you have the right cover in place at a price that works for you. 

  

You don’t need to be an insurance expert, we will always keep you right when it comes to the details of your policy, explaining all the insurance jargon and additional benefits to boost your cover giving you the added level of protection that you need. 

Claims Support

Supporting you when you need it most

If the worst happens and you need to make a claim, you are in safe hands as our dedicated claims team is based right here in Northern Ireland. We know it can be a pretty scary time and sometimes can seem complex too, but we will be at your side to help guide you every step of the way. We offer you: 

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Dedicated Customer Support

Our local NI based team will guide you through the process step by step.

24Hr Claims Helpline Icon

24Hr Claims Helpline

If an incident occurs in the middle of the night you can contact us 028 3090 9090.

Temp Accommodation

Temporary Accommodation

If the unexpected happens, most insurers will cover you for temporary accommodation if your home is uninhabitable.

Knowledge Hub Home Guides

Need to speak with us? 08000 66 55 44