Home Insurance

Home Insurance

Your home is your biggest asset.

Buildings, contents, and all-risk cover for homeowners, tenants, and landlords. Whether you own or rent, whether it’s a studio or an estate, we find the cover that fits your home, not a generic template.

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Homeowners and tenants both qualify.


Radical transparency

What’s covered. What’s not.

Covered (comprehensive plan)

Fire and explosion

damage to structure and contents caused by fire

Burglary and theft

following forcible and violent entry to the property

Flood and storm damage

structural damage from flood or storm events

Domestic worker liability

injury to your domestic staff on your property

All-risk (portable possessions)

laptop, phone, jewellery away from home (with all-risk add-on)

Not covered (standard policy)

Gradual deterioration

wear and tear, rust, rot, damp not caused by a sudden event

Theft without forced entry

items taken without signs of break-in are typically not covered

Unoccupied property beyond 30–60 days

most policies have an unoccupancy clause

Business stock or equipment

items used for business require a separate commercial policy

Home Insurance FAQS

Can I insure a property I'm renting out?

Yes. Landlord policies cover the building structure and your fixtures against tenant-caused damage, fire, and natural events. Contents insurance is typically the tenant’s responsibility, we can advise both parties separately.

Do I need to list every item in my home?

For standard contents cover, you insure a total sum for all contents. High-value items (jewellery, art, electronics over a set threshold) are typically scheduled separately. We’ll walk you through what needs to be declared, it takes 10 minutes and prevents nasty surprises at claim time.