People often contact us unsure how much to insure their house or home. Many people believe that you should insure it for the market value, this is usually not the case. 
You need to insure for the cost to rebuild the property + ground clearance + professional fee (architects etc). This could be in excess of the market value or below the market value.

If you have recently purchased your home then you should consult your survey as this will often advise the rebuild value at the time of your survey. If your survey is a number of years old, please remember to add for inflation over the years. Alternatively you can refer to the Association of British Insurers (ABI) rebuild calculator.  You will need to register and it will require some measurements of your property but it will then give you a good indication as to how much to insure for. 
Failure to insure for the correct amount can lead to you being under-insured and and a lower claim payout. 
If you would like help with your home insurance requirements we are here to help and are happy to discuss your needs, we can help in the following areas:
  • Standard Homes - Buildings and or Contents
  • Commercial Properties
  • Landlords Insurance
  • Tenants Contents
  • Thatched Roof Properties
  • Unoccupied properties - including properties undergoing renovation
  • Non-Standard Walls - including timber, timber framed, cob, stone, concrete, wattle & daub,
  • Non standard roofs - including flat roofs, felt on timber, metal roofs, eco roofs
  • Non standard insulation
  • Flood risk properties that have not flooded
  • Older properties
  • Properties with previous movement or subsidence or underpinned
  • Properties built pre 1850
  • Listed properties
  • Higher value properties
  • Blocks of flats
  • Portfolio of Properties
  • Properties used as a Bed and Breakfast (B&B)
  • Air BNB
  • Eco Properties
  • A mix of the above!

We can usually offer payment by direct debit (other than for unoccupied properties)
Quotes are usually provided the same day

Quote enquiries may be made at 0115 9455447

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