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Home Insurance Cover
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Home Insurance Cover
At 1st Choice Insurance, our experienced team uses specialist knowledge of the home insurance market to help customers find suitable and competitive cover for their property and belongings. Whether you own a house, flat, bungalow, listed building, or holiday home, we can help you choose the right level of protection.
With years of experience arranging home insurance for a wide range of clients, we understand that every property and every household is different. Our advisers take the time to understand your circumstances, assess your needs, and find a policy that offers the level of protection you require.
Get Home Insurance Cover Today
Whatever type of home you live in, 1st Choice Insurance is here to help you secure appropriate cover for your buildings, contents, and personal possessions.
Call our friendly, experienced team on 03301 081615 for a no-obligation quotation or use our quote form.
What Is Home Insurance?
Home insurance provides financial protection for your property and possessions in case of events such as fire, flooding, theft, storm damage, vandalism, accidental damage, or other insured risks. Policies typically fall into three categories:
Buildings Insurance
Covers the structure of your home, including walls, roof, floors, fitted kitchens, bathrooms, paths, and outbuildings. This is essential for homeowners and often required by mortgage lenders.
Contents Insurance
Protects your personal belongings, such as furniture, electronics, clothing, jewellery, and appliances, against theft, damage, or loss.
Combined Buildings & Contents Insurance
A single policy that covers both the structure of your home and the belongings inside it, offering convenience and complete protection.
Home insurance can also be extended to include optional extras such as:
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Accidental damage
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Home emergency cover
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Legal protection
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Personal possessions cover outside the home
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High-value item cover
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Alternative accommodation if your home becomes uninhabitable
Our team can explain available options and help you choose a policy that suits your circumstances.
Why Is Home Insurance Important?
Your home is one of your most valuable assets, and replacing your belongings can be costly. Home insurance provides essential protection and reassurance, particularly during unexpected events. If the worst were to happen, such as a fire, flood, break-in, or structural issue, insurance can help:
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Repair or rebuild your home
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Replace your possessions
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Cover emergency accommodation
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Provide legal support after certain disputes
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Provide cover for accidental damage (if selected)
Reviewing your home insurance regularly helps ensure your cover remains up to date with your property’s value and contents.
At 1st Choice Insurance, we compare policies from a wide panel of trusted insurers to help you find suitable and competitive home insurance for your needs. Because every home is different, we take the time to understand your situation, whether you need:
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A combined buildings and contents policy
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Standalone buildings insurance
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Standalone contents insurance
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Cover for high-value items
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Protection for unusual or non-standard homes
We can explore options to match your lifestyle, property type, and risk factors.
Your policy documentation will include full details of your cover, including any excesses, conditions, exclusions, or endorsements. It is important to review this information carefully to ensure your policy reflects your needs.
Who Needs Home Insurance?
Home insurance is suitable for:
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Homeowners
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First-time buyers
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Landlords
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Tenants who want contents-only cover
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Owners of holiday homes
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Landowners with unoccupied properties
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People with high-value homes or unique properties
Properties with unusual features, such as flat roofs, timber frames, listed status, or thatched roofing, may require specialist policies, all of which we can help arrange.
Benefits of Home Insurance
Choosing the right home insurance ensures that your property and belongings are protected against unexpected risks. Key benefits include:
Financial Protection for Your Home
Insurance can cover the cost of repairs or rebuilding after damage caused by fire, storms, flooding, or other insured events.
Cover for Theft & Break-Ins
Contents insurance helps replace personal belongings stolen or damaged during a burglary.
Emergency Support
Home emergency cover can arrange assistance for urgent issues such as plumbing leaks, boiler problems, or electrical faults.
Protection for High-Value Items
Specialist policies can cover jewellery, artwork, antiques, and personal items that may not be included as standard.
Alternative Accommodation
If your home becomes uninhabitable, your policy may help pay for temporary accommodation.
Peace of Mind for Homeowners, Landlords & Tenants
Whether you live in the property, rent it out, or own it as an investment, insurance provides reassurance that your assets and lifestyle are protected.
Specialist Home Insurance Options
Alongside standard policies, we provide cover for a wide range of non-standard or specialist properties. These homes often require tailored underwriting due to their unique structure, age, or construction materials.
We can arrange cover for:
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Mid Net Worth Property
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High Net Worth Homes & Listed Buildings
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Standard & Holiday Home Insurance
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Non-Standard Construction Homes (e.g., flat roof, thatched roof)
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Properties with Subsidence / Underpinned Homes
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Commercial Property Insurance
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Residential & Commercial Landlords Insurance
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Unoccupied Landlords Insurance
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Non-Standard Landlord Properties
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Hotel & Guesthouse Insurance
If you do not see your property type listed, please give our team a call. We can discuss your requirements and advise on the available insurance options.
Frequently Asked Questions about Home Insurance Cover
Is home insurance a legal requirement?
No, however, most mortgage lenders require building insurance as part of the loan agreement.
Do I need contents insurance if I rent?
Tenants are usually responsible for insuring their own belongings through a contents-only policy.
Does home insurance cover wear and tear?
Ordinary wear and tear is not typically covered. Insurance protects against specific insured events such as fire, theft, or accidental damage (if selected).
Can I cover items outside of the home?
Yes, personal possessions cover can extend protection for items such as jewellery, phones, and laptops when taken outside the home.
What is classed as a high-value item?
This varies by insurer, but typically includes jewellery, watches, artwork, antiques, or items worth above a specific limit.
Can I insure a holiday home?
Yes, we can arrange tailored cover for UK holiday homes and second properties.
Do I need landlord insurance for a rented property?
Yes, landlords typically require dedicated landlord insurance rather than standard home insurance.
What is non-standard home insurance?
Properties built with unusual materials, such as flat roofs, timber frames, or thatched roofing, often require non-standard home insurance.
Can I get cover if my property has subsidence?
Yes, homes with past subsidence or underpinning may still be insurable through specialist markets.
