Specialist home insurance · Standard and high-value properties · 0208 909 2899
Business Insurance Commercial Combined Employers Liability Public Liability Fleet Insurance Fleet Risk Management Cyber Insurance Trade Credit Dental & Medical Professional Services Retail & Hospitality Transport & Logistics Technology & IT Manufacturing & Wholesale Petrol Stations Motor Trade Charities Education Government Local Authorities Non-Profit Offices & Surgeries Religious Organisations Social Housing Landlord Insurance Residential Landlord Commercial Landlord Block of Flats Unoccupied Property Landowners Liability Legal Expenses Personal Insurance High Value Home Health Insurance Travel Insurance Life & Critical Illness Total Loss Protection Home Insurance Private Clients Construction Insurance Contractors Combined JCT 6.5.1 Insurance Self-Build Insurance Property Owners Legal Indemnity About Us Our Team Our Insurers Referral Partners Claims Blog Our Brands Our Partners Contact Us Book a Call Get a Quote 0208 909 2899
Home› Personal Insurance› Home Insurance

Home insurance
that actually covers your home.

Standard home insurance often leaves you underinsured — especially if you own a high-value property or have valuable contents. We find buildings and contents cover tailored to your home's true value and risks.

Request a Quote Speak to a Specialist
35 years trading 2,379 clients ~90% retention rate A-rated insurers

Get a Home Insurance Quote

Tell us about your property — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

Home insurance specialists · Mon–Fri 9:00–18:00

Trusted by homeowners across the UK

Key Insurers
Chubb Hiscox Zurich Private Clients AXA Aviva
Authorised & Regulated FCA 305819
Member BIBA
Member CII
Who Needs Home Insurance

Is specialist home insurance right for you?

🏠

Homeowners

Anyone buying or mortgaging a home needs buildings and contents cover. We help you find policies that match your actual rebuild cost, not just the market value.

💎

High-Value Property Owners

If your home or contents are worth £750k or more, standard policies have limits that leave you dangerously underinsured. Specialist cover fills the gap.

🏛️

Listed & Period Property Owners

Older, listed and period homes cost more to rebuild due to specialist materials, craftspeople and planning restrictions. Standard rebuild cost assessments often miss this.

👑

Owners of Valuable Contents

If you own jewellery, art, watches, antiques or collections worth significant money, standard contents policies have limits that leave valuables exposed.

📿

Collectors & Art Owners

Collections of art, wine, watches or antiques need specialist all-risks cover with no upper limits — standard policies won't do. We find insurers who understand value.

🔐

Anyone Concerned About Being Underinsured

If you're unsure whether your cover matches your home's true value, that's a red flag. We provide a free review to identify gaps.

What's Covered

Buildings & Contents Cover Explained

Buildings Insurance

Buildings Reinstatement

Full cost to rebuild the structure from scratch using modern materials, including labour, professional fees and site clearance.

Fitted Kitchens & Bathrooms

Replacement cost of fitted units, cabinets and permanent fixtures as part of the building fabric.

Outbuildings & Garages

Cover for sheds, garages, greenhouses and other permanent structures on the property.

Permanent Fixtures

Fitted wardrobes, carpets, curtains and anything that forms part of the building structure.

Named Perils

Protection against fire, flood, storm, subsidence, theft, vandalism and other standard risks.

Contents Insurance

Personal Belongings

Furniture, electronics, clothing, books, kitchenware and all moveable items inside your home.

Valuables Cover

Optional cover for jewellery, watches, art and antiques with higher limits and all-risks protection.

Personal Liability

Protection if someone is injured on your property or you accidentally damage their belongings.

Accidental Damage

Optional cover for unintended breakage — burst pipes, broken windows, damage from you or visitors.

Alternative Accommodation

Cost of temporary housing if your home becomes uninhabitable after a claim — hotel, rental or family stay.

Standard Covers

Essential Coverage You're Likely Getting

🔥

Fire & Smoke

Cover for damage caused by fire, explosion, smoke, ash and soot, including temporary accommodation if needed.

💧

Flood & Water Damage

Protection against burst pipes, overflowing baths, leaks from above, and flood from outside (depending on policy).

⛈️

Storm & Weather

Cover for damage from high winds, falling trees, hail, snow and other weather-related incidents.

🚨

Theft & Vandalism

Protection against break-ins, theft and deliberate damage to your home or contents by intruders.

🏢

Subsidence

Cover for structural damage caused by ground movement, tree roots or soil instability (subject to excess).

⚡

Legal Expenses

Optional cover for legal costs if you need to take action against a third party responsible for damage.

Why Forum Insurance

The home insurance gap most people don't see.

1

Standard Rebuild Cost Limits Are Too Low

Insurers base policies on inflated market valuations, not actual rebuild costs. For older or high-value homes, that leaves a dangerous shortfall. We arrange a professional rebuild assessment so your cover matches reality.

2

Contents Limits Often Don't Match Your Valuables

Standard policies cap cover at £2k–£5k per item. If you own jewellery, art or watches worth more, they're severely underinsured or excluded. We arrange all-risks valuables cover with no upper limits.

3

High-Value Homes Need Specialist Insurers

Mainstream insurers aren't built for homes worth £500k+. Their systems don't understand high-value risk, and claims can be fought. Specialist insurers have appetite and expertise for premium properties.

4

Listed & Period Properties Cost More to Rebuild

Original materials, specialist craftspeople, planning restrictions and conservation rules make rebuilds expensive. Standard rebuild assessments miss these costs entirely. We factor them in from day one.

5

One Review Catches Gaps Others Miss

We review your entire situation — property value, contents inventory, valuables, risks unique to your area, and any gaps left by previous brokers. One call with us often finds tens of thousands of pounds in missing cover.

6

35 Years Placing Home Insurance. Claims Expertise Too.

Our specialists understand home insurance inside-out — not just placing cover, but supporting claims. We know which insurers pay out fairly, and we're here to advocate for you if something goes wrong.

When you need to claim

A claim is where your insurance actually matters. We support you from the moment something goes wrong — reporting damage, gathering evidence, liaising with your insurer, and ensuring they pay fairly.

1

Report Damage Immediately

Contact your insurer as soon as possible. For emergencies (fire, flooding, break-ins), contact emergency services first. We can help you notify your insurer and gather initial evidence.

2

Document Everything

Take photos and videos of all damage. Keep receipts, invoices and valuations. For contents, create an inventory with model numbers and purchase dates where possible.

3

Appoint Loss Adjusters

For large claims, your insurer may appoint a loss adjuster. We review their scope and findings to ensure you're not undercompensated, and we advocate for fair settlement.

4

We Support Your Settlement

We liaise with the insurer, answer technical questions about your cover, and ensure the settlement matches your policy terms. If there's a dispute, we help resolve it.

Need Help with a Claim?

If you're in the middle of a claim with us or another insurer, contact us immediately. We'll review your settlement offer, support the process and make sure you're treated fairly.

Call Claims Team
FAQs

Common Questions About Home Insurance

Home insurance typically includes buildings cover (the structure, permanent fixtures and fittings) and contents cover (your belongings inside). Buildings cover usually includes damage from fire, flood, theft, storm and subsidence. Contents cover protects furniture, electronics, clothing and other moveable items. Additional cover can include personal liability, accidental damage, legal expenses and home emergency cover.
Buildings insurance covers the structure of your home — walls, roof, fitted kitchens, bathrooms, floors, permanent fixtures and fittings, and outbuildings. Contents insurance covers moveable items you own inside the home — furniture, electronics, clothing, kitchen appliances and personal belongings. Most homeowners with a mortgage need both; if you rent, you only need contents cover.
Yes, if your home or contents are worth more than standard insurers' limits (usually £500k–£750k), you should seek specialist coverage. High-value home insurance accounts for premium properties, valuable collections, art, jewellery and antiques. Standard policies often leave high-value homeowners significantly underinsured, leaving a dangerous gap in cover. Specialist insurers understand the complexity of valuable properties.
Rebuild cost (not market value) is what it would cost to rebuild your home from scratch using modern materials and construction standards. This includes labour, materials, professional fees and site clearance — but not the value of the land. It's often higher than the market price of your home. We recommend a professional rebuild cost assessment, especially for older, listed or unusual properties, to ensure cover is adequate.
Standard home insurance does not cover accidental damage. You need to add accidental damage cover as an optional extra, which protects against unintended breakage or damage — broken windows, water damage from burst pipes, damage caused by you or visiting family members. This is separate from the standard policy and carries an additional premium.
If your insured value is less than the actual rebuild cost or contents value, your insurer may refuse to pay out in full — they may apply 'average' (proportional reduction) or even refuse the claim entirely. This is why an accurate rebuild assessment and contents inventory are crucial. We ensure your cover matches your home's true value so you're not left with an unwelcome surprise after a claim.

Ready to review your home insurance?

A 15-minute call often reveals gaps worth thousands of pounds in additional cover.

Book a Call Get a Quote