Fire, contents and building cover for homes and businesses, including natural perils. We tailor the sums insured to real rebuild and replacement values.
A home or office policy covers the building, the contents, or both, and the two are underwritten separately. Fire and allied perils form the base; earthquake and other natural perils are usually an extension rather than something included by default.
The figure to get right is the sum insured. Insure for less than the rebuild or replacement cost and most policies reduce a claim in proportion, so even a partial loss pays out less than expected. We work from realistic values rather than from the lowest premium.
What we can arrange
- Fire & allied perils
- Building & contents
- Natural perils
- Theft & burglary
- Business interruption options
Cover is subject to each insurer's full policy terms, conditions and exclusions. We compare on price and on cover, and the choice is yours.