General Insurance
Protect your home, belongings, and peace of mind with insurance that covers what matters most — whether you rent or own your property.
Whether you’re a homeowner, landlord, or tenant, general insurance provides vital protection against unexpected loss or damage to your property and possessions.
From fire and theft to storms, leaks, or accidental damage — the right policy can save you significant financial and emotional stress. We help you balance cover and cost so you only pay for what you truly need.
Types of Cover
Buildings Insurance
- Protects the structure of your home and permanent fixtures (kitchen, bathroom).
- Covers events like fire, flood, subsidence and storms.
- Usually required by mortgage lenders.
Contents Insurance
- Protects your belongings against theft, fire, and damage.
- Suitable for owners and tenants.
- Options for “new-for-old” replacement.
Combined Home Insurance
- Buildings + contents under one policy for simplicity and value.
- Often includes optional accidental damage and home emergency cover.
Landlord Insurance
- Specialist cover for rental properties, including loss of rent and liability.
Tenant Insurance
- Contents cover for renters, with optional accidental damage to the landlord’s property.
Optional Add-Ons
- Accidental damage
- Home emergency assistance
- Legal expenses
- Personal possessions away from home
We compare multiple insurers to find reliable, competitively priced cover tailored to your circumstances — with clear explanations of what’s included and excluded.
FAQs
Do I need both buildings and contents insurance?
Homeowners should usually have both: buildings covers the structure; contents covers your belongings. Renters typically only need contents insurance.
How much cover do I need?
Insure buildings for the full rebuild cost (not market value). Contents should match the total replacement value of your possessions. We’ll help you calculate both.
Is accidental damage included?
It’s often an add-on. It covers mishaps like spilled paint on carpets or a cracked TV. We’ll confirm inclusion or add it if needed.
What isn’t covered?
Wear and tear, deliberate damage, and long-term unoccupancy are typically excluded. Flood or subsidence may have special terms. We’ll explain all limitations before you buy.
How do I claim?
Notify the insurer ASAP, provide evidence (photos, receipts, police report if applicable), and they’ll guide next steps. We can help manage the claim.
General insurance protects you from unexpected costs due to damage, theft, or loss — helping keep your home and belongings secure.