Category: Residential Insurance

Managing let properties, particularly those housing homeless tenants and Houses in Multiple Occupation (HMOs), presents unique challenges for landlords. These properties often involve complex tenancy arrangements and higher risks, making appropriate insurance coverage essential. Insurance for such properties not only protects against potential financial losses but also ensures compliance with regulatory standards. This article aims to provide valuable insights into the specific insurance needs for properties accommodating homeless tenants and HMOs. Read More

Owning a luxury home is a significant investment, and protecting that investment is crucial as luxury homes come with unique risks and challenges that require specialised insurance coverage. From high-value items and custom features to unique architectural designs and prime locations, luxury homes demand attention to detail when it comes to insurance. Insuring a luxury home requires special consideration and attention to detail to ensure adequate protection. Read More

Nobody likes to think about the idea of a fire occurring in their home. Unfortunately, however, house fires do happen and when they do they can be devastating to the property where they occur and to the occupants of said property. Read More

Has your home suffered flood damage or is your home in an area which has been flooded?

If it is, finding insurance for a house that has sided flood damage is extremely difficult to source.

A lot of homeowners in the country are having sleepless nights as they can’t get insurance for their homes as they are on flood risk areas and have been badly hit by increasing premiums over the last few years. Read More

Insuring a listed building is just like insuring any other property.  The same questions are asked, the same underwriting applies, the only issue is the majority of underwriters are not keen on taking on this type of risk.

When a property dates back hundreds of years there could be plenty of minefields with the building.  The foundations, the brick work the ground it was built upon the materials used etc. This is where specialist insurers come in to cover the eventuality of a claim. Read More

For those who are great with children, being a child minder is an prudent way for extra income whilst at home – getting the children to behave may be the easy or tricky part; getting your insurers to continue cover may be the hard part.

Many household insurers do not cover homes that are used for business purposes or if they do, the minimal trades they will cover will have to be clerical only. Read More

Are you struggling to get buildings and contents insurance for your property?  Have you ever received a criminal conviction? Ever been made bankrupt or have County Court Judgements?

Not a problem! We can provide you with quotation for your property unlike most mainstream providers. Read More

There’s something quite enchanting and fairy tale like about the structure of a cob house, and the allure of owning such a house would be hard to refute.

However once you are due to complete/exchange of such a property, or perhaps once the structure is completely finished, you are then set with the conquest of insuring the cob construction. Read More