Home Insurance

Overview

Home Insurance or Household Insurance aims to provide essential protection for your home and its contents. It can offer cover for repairing or rebuilding your home in the event of damage from unexpected events such as fire, storms, or floods. Additionally, it can cover the cost of replacing stolen items and repairing or replacing damaged possessions.

Home Insurance tends to typically offer cover for Buildings and Contents. Buildings Insurance can offer additional protection for the physical structure of your home and its permanent fixtures and fittings, such as built-in kitchen units and bathroom suites, in the event of damage or destruction. Contents Insurance is essential to protect the possessions in your home, in the event of unexpected incidents such as burglaries, leaks, or fires.

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How We Can Help

Here at Brown & Brown, we understand that every home is different, ranging from bungalows, new builds to detached houses and semi-detached properties. Therefore, our dedicated team, aims to offer our customers comprehensive Home Insurance policies, that meet each homeowner’s specific requirements.

Inadequate coverage or being underinsured can leave you vulnerable to unexpected out-of-pocket expenses for replacing or repairing your home and belongings in the event of unforeseen damages or losses. It is important to have adequate comprehensive insurance for your home to avoid such financial risks.

Typically Covered

Flooding
Fire Damage
Storm Damage
Theft and Burglary
Escape of Water from Burst Pipes
Accidental damage

Not Typically Covered

General deterioration and wear and tear
Specific items, such as bicycles and surf boards
Temporary swimming pools, barbeques and gardening tools

Thatch Roof Insurance

Thatch roof insurance can offer protection for the building, contents, and potential fire damage, giving homeowners peace of mind with a policy tailored to their property’s needs.

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Pet Insurance

Pet insurance helps cover unexpected vet bills due to accidents, illnesses, or ongoing conditions. Policies can also include dental care, loss, and third-party liability.

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Flood Insurance

Flood insurance can provide essential cover for properties in high-risk areas or those previously affected by flooding. It can protect against damage to buildings and contents caused by rising water.

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Car Insurance

Car insurance is a legal requirement in the UK, covering you against damage, theft, and third-party liability. Whether you need third-party, third-party fire and theft, or comprehensive cover, tailored policies can protect both your vehicle and finances.

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Renovation

Renovating a property carries unique risks, from accidental damage to liability issues. Renovation insurance is designed to protect you during building works – whether it’s a home extension or a major structural overhaul.

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Underinsurance in Home Insurance: Are You Properly Covered?

Many homeowners assume that simply having a home insurance policy means they’re protected. However, an alarming number of properties across the UK are underinsured.

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