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Home Insurance

Orwell Property Insurance Keeps Your Home Safe As Houses

Hopefully nothing bad ever happens to your home, but if strong winds damage your roof or burglars take your most valuable items, home insurance has you covered.

Home insurance puts money back in your pocket when the worst happens, so you can return to normal without emptying your bank account to repair or replace anything.

Home insurance

Who Needs Home Insurance?

Here to Protect Your Property…

Anyone who owns their home needs homeowners insurance! It really is one of those things that you’ll wish you had in hindsight should the worst happen to your home. Home insurance protects you from the financial fallout of common perils like fire, theft or accident.

Home insurance isn’t legally required, but it’s definitely helpful if bad things happen to your house, and it can give you peace of mind, which is invaluable for homeowners and renters alike.

Why do you need Home Insurance?

Get Your Fairytale Ending No Matter What Happens To Your Home…

We all hope for the best in our homes, but things can and do happen that are worse than even a troll’s tantrum. Things like storm damage, burst pipes, theft, fire or smoke damage, falling trees and even cars colliding with your home.

House insurance effectively covers what you’re worried about most by being split into two parts—buildings cover and contents cover. So, depending on what you want covered, both your house and your belongings can be protected.

It’s scary to imagine these events happening in your home, but home insurance can take away the stress of protecting your home. Not only do you get the assurance that you won’t be out of pocket, but you can also rest assured that life will get back on track as fast as possible.

Flexible Cover

We know home insurance isn’t a one-size-fits-all kind of thing. So if you’ve got something particular you want to cover, let us know and we can add it as an extra when preparing your dream home insurance quote (we aren’t the only ones who dream about insurance, right?).

Making A Claim Shouldn’t Be A Pain

Home insurance is there to make life easier, which is why we work with insurer partners who provide reliable cover that’s practically troll-proof. Your insurer will let you know exactly how to make a claim, so even the worst-case scenario will have a happier ending.

What Does Home Insurance Cover You For?

As a homeowner, you might choose comprehensive homeowners insurance to keep both your building itself and your possessions covered. If you’re a renter, you might go for a contents-only cover to keep your belongings protected.

Either way, it’s important to know what will be covered by your policy and what won’t. Here’s a general idea, but your individual selections might cover you differently…

Here’s an overview of what your policy can protect you against, although your personalised policy might look different depending on your selections…

What’s covered

  • Buildings – the cost of repairing, replacing or rebuilding your home up to an agreed sum (including temporary accommodation costs)

  • Contents – the cost of repairing or replacing the contents of your home or removal of your contents to other premises.

  • Valuables & Possessions – the cost of repairing or replacing your valuables and possessions that are lost or damaged even away from home.

  • Accidental damage to buildings and/or contents

  • Domestic freezer cover – the cost of replacing food in your fridge or freezer if it stops working

  • Pedal cycles – the cost of repairing or replacing pedal cycles following theft or accidental damage

  • Legal Liability to the public – your liability as a private individual and as owner or occupier of the home for bodily injury or property damage caused to another person or property

  • Accidents to domestic staff – your liability for bodily injury to your domestic staff

  • Money – theft or accidental loss of money

  • Bank cards – any amounts that you become legally liable to pay as a result of unauthorised use following the loss or theft of your card

What’s Not covered

  • Wear and tear or any other gradually operating cause (for example, damp formed over a period of time due to blocked or poorly maintained guttering or the mechanical or electrical failure of a television)

  • The cost of replacing undamaged or remaining items or parts of the buildings which form part of a pair, set or suite following the loss of or damage to the matching item(s)

  • Loss or damage to domestic fixed fuel tanks in the open, swimming pools, tennis courts, drives, patios and terraces, gates and fences and contents in the open caused by storm, flood or weight of snow

  • Motor vehicles (other than garden machinery), caravans, trailers or watercraft or their accessories

  • Any property held or used for business purposes

  • Existing and deliberate damage occurring before the beginning of the period of insurance or caused deliberately by you

  • Any risk where the losses are cyber-related, arising from either malicious acts (e.g. cyber-attack, infection of an IT System with malicious code) or nonmalicious acts (e.g. loss of data, accidental acts or omissions) involving either tangible or intangible assets

  • Damage caused by domestic pets

  • Infectious or contagious disease

Home Insurance

FAQS

  • Claiming insurance involves contacting your specific insurer. This is often either a phone number or, in some cases, an online chat. Your insurer will provide you with clear information on exactly how to make a claim when you receive your policy documents.

  • When you request a quote with us, we will consult and find you the best deal possible from our panel of reliable and flexible insurance partners.

  • Home insurance comes in three different types – buildings, contents or combined. We can tailor your home insurance deals to you, so you can choose buildings cover for the property itself, contents for the possessions inside your home or combined to cover both.

  • Yes, if you insure your building the boiler comes under this section. The boiler will be covered against loss or damage resulting from an Insured Peril.

  • There is no legal requirement for homeowners to have home insurance, but you may be required to have some level of it if you wish to get a mortgage or to remortgage your property.

  • Our insurer claim processes are designed to be simple and smooth. When you first get your home insurance confirmed, take a moment to note your policy number and the claims contact number for your specific policy, so you know how to call if you need to make a claim.

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Orwell Insurance Services Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register
(https://register.fca.org.uk/s/) under reference 311566

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