Protect the permanent structure of your home against insured damage.
Homeowners (Building)
Protect the permanent structure of your home against insured damage.
Your building is more than walls and a roof. Correct homeowners cover considers the full cost of rebuilding, fixed improvements and the practical costs that follow major damage.
Protection mapped to the exposure.
Main structure
The insured dwelling and permanent fixtures against listed events such as fire, storm and impact.
Outbuildings
Garages, walls, gates, pools and other fixed structures where included.
Alternative accommodation
Qualifying temporary accommodation costs after an insured event makes the home uninhabitable.
Public liability
Certain homeowner liability exposures where provided by the insurer.
Details that shape a better policy.
Insure for rebuild cost
Market value and rebuilding cost are not the same.
Declare improvements
Solar systems, security upgrades and renovations can change the replacement value.
Check maintenance duties
Policies do not replace routine maintenance; gradual deterioration is commonly excluded.
Clear advice from first review to claim support.
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01
Understand the exposure
We start with the people, assets, activities and obligations that create the real risk.
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02
Compare suitable cover
We approach appropriate insurers and explain meaningful differences in limits, excesses and wording.
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03
Support the policy and claim
We keep the cover current and help coordinate communication when an insured event occurs.