Get your home insurance quote
Tell us about the property and how it is used. We will come back in plain English with the buildings, contents and liability options that fit.
What you can expect
- A reply from a real, English-speaking person — not an automated pricing engine.
- Help setting insured sums, and what happens if the insured sum is below the value at risk.
- Where a community policy exists, we explain what it typically covers according to its terms, and what that may leave for your own policy.
- We use your details to respond to your enquiry and manage your quote request.
What happens next
- We review your details
We will review the property, its use and the sums you want insured. - You receive clear options
By email or a call — whichever you prefer. - You decide in your own time
We answer questions and arrange the cover when you are ready.
Before you start
What to have ready
One figure does most of the work on a home quote, and it is not the price you paid.
- The built area of the property, and its construction type and age.
- Whether it is a house, a flat inside a community of owners, or something else.
- Your estimate of the rebuild cost, and how you arrived at it.
- A contents figure based on replacement cost rather than a round number.
- Whether the property is a permanent home, a holiday home, let, or standing empty for periods.
- Anything outside the main structure: a pool, outbuildings, boundary walls, a garage.
- Any high-value item you would want specified separately.
Why the rebuild figure decides everything else
It is the number people guess at and the number that governs what a claim pays.
The rebuild sum is what it would cost to demolish, clear and reconstruct the property to its current specification, including professional fees and the difficulty of building on that particular plot. It is not the purchase price and not the market value, because both include the land.
It matters at claim time in a way that surprises people. Where the insured sum is below the value of the insured interest, compensation can be reduced in the same proportion — and that applies to partial claims, not only to total losses.
Occupancy is the other answer worth getting right at the quote stage. A property standing empty for long periods is a different risk, priced differently, and described differently in the policy conditions. Tell us the actual pattern rather than the intended one.
Asking for a quote commits you to nothing. We do not need payment details to prepare one, and nothing is arranged until you say so.