Home Insurance

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Whether you live in a country cottage, a townhouse or a new build, we can help tailor an insurance policy to suit you.

Our specialist brokers can find flexible and comprehensive household insurance policies to cover both your home and its contents.

From your expensive jewellery, clothing, fine art, technology and any other general contents, we can assure you peace of mind when it comes to the unexpected.

Why do I need Home Insurance?

Our homes are one of the biggest investments we make in our lives. It is for that reason we need to ensure they are covered for all outcomes, so your hard work is not at risk.

If you own your property with a mortgage, it can also be that you are legally obliged to have at least buildings insurance.

How is my home assessed?

It can be very difficult to know the rebuild cost of your home, which is why we can arrange a survey with a professional insurance surveyor to advise on the correct costs and not rely on a mortgage valuation.

This is particularly true when it comes to old and listed buildings, due to their architecture or the fact that they may have been constructed with what are now considered unusual materials. We will also provide continuous support and give advice on improvements that could minimise the risk and security of the property. The survey usually incurs a small cost but gives reassurance on the reinstatement of the building.

A complete assessment of your valuables will also take place to ensure every item is accounted for in the policy.

Types of insurance available:

  • Buildings Insurance
  • Contents cover for your furniture and valuables
  • Combined buildings and contents insurance

Other possible key features of household insurance:

  • Worldwide cover for possessions
  • Automatic cover for new purchases
  • Protection for you and your family

Many household insurance policies restrict or exclude cover automatically when building works such as renovations or extending are taking place, which is why it is beneficial to speak to us prior to works taking place.

To find out more and to discuss your needs, please contact us on 01274 515 747 or email us at mail@lwood.co.uk

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