Personal Possessions Cover from saxoninsurance.com
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Home Owners Insurance

HOME INSURANCE

Saxoninsurance.com in partnership with our siter site cover4insurance.com, has a range of household insurance products for home owners and the landlord's buy-to-let markets, if you are thinking of leaving the rented accommodation lifestyle and buying your own home we can arrange comprehensive and competitive household insurance.

WHY CHOOSE COVER4INSURANCE FOR MY HOUSEHOLD INSURANCE?

As an insurance broker we aim to find suitable products to match your needs.
We survey the market for you, saving you the time of shopping around various companies and leaving you with the time to concentrate on making your new house a home.

BUILDINGS AND CONTENTS INSURANCE

Whether you require a combined house contents and buildings insurance quote, stand alone buildings insurance and/or a contents insurance quote - we will search the market to provide you with comprehensive cover at budget premiums.

NEED A QUOTE FOR CONTENTS INSURANCE PLEASE CLICK THE QUOTE BUTTON

To get an online quote click here.Quote me

WHY DO I NEED HOUSEHOLD INSURANCE?

Probably the biggest investment that a person makes, is buying your own home.
With the time invested hunting a mortgage provider, not to mention the right property to buy, along with the expense of saving for a deposit, it is easy to overlook the need for the right home insurance policy?

Remember that this is your biggest investment so it needs protection of a good household insurance p[olicy.

The mortgage lender be it bank or building society will require that adequate cover levels are in place to protect its investment and will have provided you with minimum sums insured in relation to re-building costs in their mortgage offer.

Household insurance is normally split into 2 main sections, buildings and contents. Most insurers will offer discounts for them being together on the same policy, but it is possible to separate them if you prefer.

Your buildings will need to be up to the cost of the property being totally rebuilt if the worst happens and include the costs of demolition. Your contents insurance should be based on replacing all the goods in your home if they were all stolen.

To get an online quote click here.Quote me

WHAT DOES A CONTENTS POLICY TEND TO PROTECT ME AGAINST?

Most policies will cover you for the loss or damage to your property as a result of:

  • Theft or attempted theft
  • Fire
  • Explosion, lightning or earthquake
  • Smoke
  • Storm or flood
  • Escape of oil from fixed domestic heating installation
  • Escape of water from washing machines, dishwasher, refrigerator or freezer, fixed domestic water or heating installation.
  • Impact within the insured address involving a vehicle or animal (but will normally excluded domestic pets that you are responsible for).

Some policies may have an extension to cover your goods away from the home, this is normally known as the “All Risk” section but some insurers will have a different name such as “personal possessions / valuables section”. “All Risk” cover tends to include cover for items within the territorial limits (please check your insurer’s details as some will be limited to the UK and others will included up to 90 days cover worldwide or in Europe for certain items), against theft or accidental damage again please check your insurer’s definition as certain items may be excluded or need to be specified on the policy, for example, it may be a condition of the policy that any item over £1,000 has to be specified on your insurance document.

To get an online quote click here.Quote me

WHAT TYPES OF LOSS DO I NEED COVERING UNDER HOME BUILDINGS & CONTENTS INSURANCE POLICY?

  • Theft damage
    When we think of theft we also need to remember that this needs to cover the damage to the home as we know thieves don’t tend to knock when they come and steal from your home they tend to break in by forcible entry through a door or a window.
  • Storm  damage
    • Storm damage can happen quite frequently within the UK and I don’t mean the Prefect Storm film with George Clooney, only recently the whole of the UK was on red alert for St Jude’s Day storm where winds reach speeds of 100mph.he storm not only caused damage to homes, businesses and travel disruption it also claimed 4 people’s lives. http://www.bbc.co.uk/news/uk-24699748
    • Insurance giants Aviva and RSA reported that the damage will cost them £75 million (£10 million Aviva and £65 Million RSA) which gives some indication of the damage caused. http://www.mirror.co.uk/money/city-news/storm-st-jude-leaves-aviva-2688081

WHAT TYPE OF DAMAGE DO WE ASSOCIATE TO STORMS?

  •  Most visual ones we tend to relate to would be falling trees into properties, roofs be taken off buildings due to the wind etc
  • Flood damage
    In 2012, insurers received 411,300 claims totalling £690m for damage to homes as a result of floods and storms, the ABI said.”For the full story click here: http://www.bbc.co.uk/news/business-21472311

Subsidence or heave cover
You might wonder what subsidence and heave actually mean:


  • Subsidence is where the ground under your property moves downwards, normally when the ground is too dry.
  • Heave is where the ground seems to move up due to the ground swelling, normally due too much water linked with expansive soil (soil with clay content) causing the ground to expand and move upwards.
  • Both of these causes tend to cause structural damage to your property with cracks most notably appearing in your buildings meaning repair work such as under pinning the property may need to occur in order to stop further damage and allow repair work to occur.
To get an online quote click here.Quote me