UK
Home Insurance Cover
Buildings and contents insurance
Whether you need buildings insurance, contents insurance, or a building and contents policy, we compare policies from a wide range of insurers to find the right level of coverage for you.
As a specialist insurance broker, we can secure coverage for even the most unusual homes, often at great rates where other companies may struggle to provide a quote.
Your home is an investment worth protecting. After spending so much time and money on your home sweet home, taking care of your investment should be your top priority. With all the stress of moving to handle, you can relax when it comes to insuring your home.
Building and Contents Insurance
We provide tailored solutions to meet your exact needs, ensuring our range of household insurance policies covers every situation. Here are just some scenarios where we can offer specialist coverage:
Business-related home insurance
Landlords insurance: We offer special deals for private landlords, including portfolio coverage for any number of flats and houses.- Landlords can obtain buy-to-let insurance for various situations, including benefit-assisted tenants, blocks of flats, student lets, bedsits, asylum lets, and contents coverage for landlords.
Property owners: Protect your home and possessions against financial loss from risks such as fire, flood, damage, or loss.
Insurance for blocks of flats and maisonettes: Insurers often face challenges with these properties, but not us. Contact us for a quote.
Home business cover: If you operate a business from home, this coverage can help protect your business office equipment and home from damage.
Bed, and breakfast insurance: Protects your home and contents from the additional risks that running a B&B can bring.
Unusual Homes
Park homes: As park homes and chalets grow in popularity, owners can benefit from coverage designed for the unique needs of these properties.
Unoccupied homes: We offer special rates for properties in probate or those awaiting refurbishment.
Second home and holiday home insurance: Coverage for everything from a chalet to a large second house in the country.
High net worth homes: This covers period properties, high-value dwellings, and contents, including antiques and valuables.
Non-standard homes like: Listed buildings and Victorian homes, Thatched roof homes (We cover all types and styles of thatch). Flat roof homes, Flats above shops, or commercial premises!
Houses with unusual constructions: Such as wood-built homes, log cabins, and chalets.
How does Home Insurance work?
Home insurance protects your home and belongings. It can cover the cost of repairing or rebuilding your home if it's damaged by events like fire, storms, or floods. It can also cover the cost of replacing items in your home if they're stolen or repairing or replacing them if they're damaged.
There are two main types of home insurance:
Buildings insurance - Covers the structure of your home and its fixtures and fittings, including the roof, walls, and fitted kitchens and bathrooms.
Outside the home, building insurance covers outbuildings like garages and sheds, as well as drains and pipes if you're responsible for them.
It covers the cost of rebuilding or repairing your home if it's damaged by events such as:
- Fire
- Storms
- Theft or attempted theft
- Vandalism
- Subsidence
- Moving objects, including vehicles, falling trees, or lamp posts
Contents insurance - Covers the items inside your home, which are things you'd normally take with you if you moved.
It can cover items like:
- Freestanding furniture, such as wardrobes and cabinets
- Beds
- Sofas
- TVs
- Video game consoles
Contents insurance also protects you against the cost of repairing damage caused by events such as:
- Fire
- Floods
- Storms
- Theft covers you if something happens to your belongings. For example, if your home is broken into and items are stolen, it can cover the cost of replacing them. If your belongings are damaged in a flood, it can cover the cost of repairing or replacing them.
Home insurance isn’t for the upkeep of your home or routine decorating. It also doesn’t cover you for ‘wear and tear’.
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What kind of home insurance do you need?
The type of coverage you need depends on whether you own or rent your home:
If you are a homeowner, combined buildings and contents insurance covers both your home and the items within it.
If you rent, you'll only need contents insurance, which covers items owned by you. Your landlord will arrange building insurance.
How to buy Home Insurance
Simple Steps to Secure Coverage – Buy Insurance with Ease!
Submit a quote online
Pick what you need.
Home Insurance includes protection for accidental damage, theft, weather-related risks, and liability
Customize your policy, and secure your home with the right insurance plan.
Check your details and payment options
Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
UK Sure does the hard work
​We dive right in, comparing home insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How to make a claim
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a home insurance claim?
Call our team on 01323 416706
UK Sure Customer Services
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