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.
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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.
If your home or contents are worth £750k or more, standard policies have limits that leave you dangerously underinsured. Specialist cover fills the gap.
Older, listed and period homes cost more to rebuild due to specialist materials, craftspeople and planning restrictions. Standard rebuild cost assessments often miss this.
If you own jewellery, art, watches, antiques or collections worth significant money, standard contents policies have limits that leave valuables exposed.
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.
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.
Full cost to rebuild the structure from scratch using modern materials, including labour, professional fees and site clearance.
Replacement cost of fitted units, cabinets and permanent fixtures as part of the building fabric.
Cover for sheds, garages, greenhouses and other permanent structures on the property.
Fitted wardrobes, carpets, curtains and anything that forms part of the building structure.
Protection against fire, flood, storm, subsidence, theft, vandalism and other standard risks.
Furniture, electronics, clothing, books, kitchenware and all moveable items inside your home.
Optional cover for jewellery, watches, art and antiques with higher limits and all-risks protection.
Protection if someone is injured on your property or you accidentally damage their belongings.
Optional cover for unintended breakage — burst pipes, broken windows, damage from you or visitors.
Cost of temporary housing if your home becomes uninhabitable after a claim — hotel, rental or family stay.
Cover for damage caused by fire, explosion, smoke, ash and soot, including temporary accommodation if needed.
Protection against burst pipes, overflowing baths, leaks from above, and flood from outside (depending on policy).
Cover for damage from high winds, falling trees, hail, snow and other weather-related incidents.
Protection against break-ins, theft and deliberate damage to your home or contents by intruders.
Cover for structural damage caused by ground movement, tree roots or soil instability (subject to excess).
Optional cover for legal costs if you need to take action against a third party responsible for damage.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 TeamA 15-minute call often reveals gaps worth thousands of pounds in additional cover.