Home Insurance

Some of our Insurance providers

What is Home Insurance and why do you need it?

If your residential property is damaged or destroyed, the effects can be devastating. The cost of repairing or rebuilding your home can be just as difficult to deal with. The right home insurance package not only gives complete peace of mind, it also gives valuable financial support when you need it the most.

Every home - and every homeowner - is different. That’s why we provide a range of cost effective policies that can be tailored to suit individual needs and circumstances. So if your property suffers accidental damage or is the target of crime, the costs associated with fixing your property or replacing contents are covered.

Even if your residential property insurance requirements are non-standard, don’t worry. At YOUR Insurance, we take pride in offering home insurance products that fit the broadest range of circumstances. Whether your property is overseas, unoccupied or just a little unusual, talk to our customer services team about the options available for your home insurance needs.

To find out about what’s covered in our Home Insurance policies, read more on our Benefits page.

How to buy Home Insurance from YOUR insurance

We want to give you the customer service you’ve been looking for so we’ve created three simple steps to help you choose your Home Insurance policy. We’re available with advice at every stage too:

  1. Ask questions: we’re here to help in the way that you choose. In addition to the information on this site, you can request a call back for advice from our customer services team at a time that suits you.
  2. Request a quote: send us an email or phone us for a quote.
  3. Buy your insurance: over the telephone – just talk to our UK-based team of qualified insurance specialists.

Why choose us?

Insurance shouldn’t interrupt the way you work, but you need to know it’s always there, so we make YOUR Insurance work with You. With YOUR Insurance, you can:

Spread your payments: to help you manage your cash flow you can choose to pay your insurance premium in monthly instalments.

Save time and money: we will email all of your policy documents to you so you’ll have them straight away. And if you have any queries there’s no cost to call us: all of our telephone numbers are free.

Know that you have financial security: by taking out our home insurance policy you’ll know you have the support of Europe's largest independent insurance intermediary, Towergate Underwriting Group Ltd.

Policy features

Our Home Insurance policies can provide cover for:

Accidental damage
Accidents do happen. That’s why you can opt for cover against accidental damage to your residential property or its contents. That way, you’re covered for events such as spillages on carpets or damage to pipes or cables.

Holiday home cover
It makes sense to protect your holiday home investment, not just for when others are using it but also for those times when it is not occupied.

Unoccupied property
Properties left unoccupied can attract criminals. If your residential property is unoccupied, insuring it will provide you with peace of mind, plus assistance if a problem occurs.

Properties under renovation
Whilst builders or trades people are renovating your property during the day it’s a hive of activity, but after they’ve left it becomes vulnerable. Insurance can protect you against the cost of criminal damage whilst it is not lived in, however restrictions do apply.

Non-standard properties
If your property has unique features such as a thatched roof or is an unusual construction or listed building, we may still be able to insure it. Talk to one of our Non-standard Property Insurance advisors.

Blanket sum insured
We can provide blanket sum insured policies with varying amounts of cover for both residential buildings and their contents.

Emergency assistance
24 hour, year round assistance can be included to provide immediate help in the event of an emergency to prevent or limit damage to your home and ensure any occupants are safe.

Legal cover

Your policy can also include cover for legal fees if required.

As with all insurance policies, limits and level of cover will depend upon the package you choose.

Things to look out for

Insurance is designed to protect you and your property. To make sure that you get the most from your choice of cover, you need to bear in mind the following:

Reasonable care
Unfortunately crime is a common occurrence, therefore most insurers will expect you to take reasonable care to prevent a problem occurring. For example theft or damage to your property and its contents will not be covered if it has been left unlocked or with the windows or doors open.

Negligence
As the property owner, you also have an obligation to ensure your property is appropriately looked after. If a problem occurs as a result of your negligence, you may not be covered.

Unoccupied properties
Some policies do not cover properties if they area left unoccupied for more than a month. If you know this will be the case, unoccupied property cover must be specifically stated as a requirement so that an appropriate policy is selected from the outset.

What we don’t cover

When you’re choosing your insurance, it’s just as important for you to know what we don’t cover as what we do.

  • Holiday home cover is subject to restrictions depending on location and time of year.
  • Accidental damage is subject to restrictions depending on certain risks.
  • Blanket sum insured policies are not offered by all of our insurers. Please specify when you take out your policy.
  • Mid net worth contracts are not offered by all of our insurers. Please specify when you take out your policy.

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