Household Underwriting

We have an in-house underwriting team consisting of 2 dedicated underwriters and with an excellent and competitive binding facility that can be tailored to your own requirements.  Quotations are generally turned around within 24 hours; urgent quotes can also be accommodated.

Owner Occupied

  • £1,000,000 buildings limit (this can be increased to £3,000,000 on referral).
  • Accidental Damage cover to Buildings and Contents optional.
  • Valuables limit in the home up to 10% of contents sum insured.
  • Specified Jewellery limit £2,500.
  • Domestic Freezer Cover £750 included as standard if contents insured.
  • Money Limit of £1,000 and Credit Card Limit of £5,000 included as standard if contents insured.
  • Property in the open but within the premises up to £1,000.
  • Business Equipment included up to £5,000.
  • All Risks cover Worldwide
  • Low policy excesses.


  • Cover can be provided for properties in the course of renovation, properties that are unoccupied pending sale, long term unoccupied properties & properties awaiting planning permission.  We will consider each and every risk.
  • Short term policies can be accommodated.
  • Increased levels of cover can be provided in some circumstances.
  • Buildings limit up to £1,000,000 (up to £3,000,000 on referral).

Tenanted & Holiday Homes


We provide cover for the following:

  • Professional Let
  • Student Let
  • DSS Let
  • Asylum Seekers inc. Accidental Damage to Buildings
  • Let Property Portfolios
  • Blocks of Flats
  • Individual Flats
  • Accidental Damage to buildings can be covered for Holiday Homes and Professionally Tenanted properties.
  • Loss of Rent included at 20% of the buildings sum insured as standard
  • Low Excesses