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Home Services

Cover I Can Put In Place

Here is what I can cover on a home, taken one piece at a time so you can see where each limit lands.

What I Handle

Where I Put Your Cover First

Model house held under an open umbrella
01

Structure Cover

The shell of the house takes the biggest share of any policy I write, so I will not guess at that number. I work it out from what builders in your area charge now, never from what you once paid for the place.

  • Fire, storm, hail and burst pipe repairs
  • Attached garages, porches and fixed fittings
  • Clearing the site before any rebuilding starts
  • A place for you to stay while the work runs
Living room with a sofa, rug and framed pictures
02

Belongings Protection

Rooms hold far more value than people expect once I start counting sofas, screens, coats and tools. I write anything expensive onto its own line so it never quietly disappears inside a general limit.

  • Furniture, appliances and daily household goods
  • Laptops, phones and entertainment equipment
  • Named pieces such as jewelry, instruments and art
  • Theft and accidental damage inside your walls
Two people talking on a sofa in a bright living room
03

Liability And Guests

A house also needs cover for the harm it points outward, not only for what lands on it. I make sure the legal side and the repair bill are both carried when a guest gets hurt or your tree lands on the fence next door.

  • Injury to a visitor in the house or garden
  • Damage your property causes next door
  • Legal defense costs tied to a covered claim
  • Medical bills for small incidents on site
Beyond The Basics

Extras I Suggest Sparingly

Some houses ask for more than the standard wording carries, though most do not. I bring one of these up only when I can point straight at the reason.

High Value Items

I schedule jewelry, watches, art and collections on their own once they climb past the single item limit.

Home Office Gear

I bring desks, monitors, cameras and other working kit inside the policy when you earn from home.

Water Backup

I add this where a drain or sump could push water back up into finished rooms below.

Garden And Outbuildings

I fold sheds, fences, garden rooms and planting into the cover instead of leaving them out in the open.

Identity Support

I can attach help with the cost and paperwork that follow when your household records get misused.

Systems Breakdown

I cover heating, cooling and electrical systems when a mechanical failure takes them down.

Ask Me About An Extra
How I Work

Three Steps To Settled Cover

Clear steps, plain numbers and no rush at any point.

01.

Tell Me The House

I ask about the build, the rooms and what fills them, then set the limits.

02.

See Real Options

You see cover levels side by side, with every limit and gaps marked early.

03.

Help On Claim Day

When something breaks I take the file and stay on it until it is resolved.

Your Move

Let Me Size This To Your House

Tell me what the house is made of and how you live in it, and I will shape the cover around that.

Start Your Quote