Home Insurance — Buildings & Contents Cover for Your Home
Home insurance protects your most valuable asset against damage, theft, fire, flooding, and unexpected events. Whether you need buildings insurance, contents insurance, or a combined buildings and contents policy, UK Sure compares policies from a wide range of insurers to find cover that fits your home and your budget.
At UK Sure, we provide tailored home insurance solutions for homeowners, first-time buyers, and those with non-standard properties. Our policies cover standard and non-standard construction, high-value homes, homes with flat roofs, listed buildings, and properties in flood-risk areas. Optional extras include accidental damage, home emergency cover, personal possessions away from home, and legal expenses.
Whether you own a terraced house, a detached property, or a flat, UK Sure will find the right cover.
Get a quote online or call us on 01323 416706.
Why Our Home Insurance
1. Buildings cover for the structure of your home
2. Contents cover for your belongings
3. Combined buildings and contents policies available
4. Non-standard construction and listed buildings accepted
5. Accidental damage cover available
6. Home emergency cover available as an add-on
What's NOT Covered
1. Wear and tear or gradual deterioration
2. Damage caused by lack of maintenance
3. Intentional damage or fraud
4. Business use of the property (separate cover needed)
5. Pest infestation or damp
Key Features of Our Home Insurance
Your home is your most valuable asset. UK Sure provides home insurance that covers the risks that matter — from storm damage to theft, with options for accidental damage and home emergencies.
Buildings & Contents
Protect the structure of your home and everything inside it. Combined policies cover both under one renewal for simplicity.
Non-Standard Properties
Flat roofs, listed buildings, timber frames, and unusual constructions — we cover properties that standard insurers often decline.
UK Sure compares home insurance from a wide range of insurers to find the right cover for your property. Whether you are a first-time buyer or have lived in your home for decades, our policies are tailored to your needs.
Terraced, semi-detached, detached, and flats
High-value homes and listed buildings
Personal possessions away from home
Legal expenses cover available
● DETAILS
Additional Home Insurance Details
Buildings and contents insurance to protect your home
Whether you needbuildings insurance,contents insurance, or abuilding and contents policy, we compare policies from a wide range of insurers to find the right level of cover for you. As a specialist insurance broker, we can secure cover for even the most unusual homes, often at great rates where other companies may struggle to provide a quote. Your home is an investment worth protecting. After spending so much time and money on your home, sweet home, taking care of your investment should be your top priority. With all the stress of moving to handle, you can relax when insuring your home.
We provide tailored solutions to meet your needs, ensuring our range ofhousehold insurance policiescovers every situation. Here are just some scenarios where we can offer specialist cover:
Business-related home insurance
Landlords insurance: We offerspecial deals for private landlords, including portfolio cover for any number of flats and houses.- Landlords can obtain buy-to-let insurance for various situations, including benefit-assisted tenants, blocks of flats, student lets, bedsits, asylum lets, and contents cover for landlords.
Property owners Protect your home and possessions against financial loss from risks such as fire, flood, damage, or loss.
Insurance for blocks of flats and maisonettes Insurers often face challenges with these properties, but not us. Contact us for a quote.
Home business cover If you operate a business from home, this cover can help protect your business office equipment and home from damage.
Bed and breakfast insuranceprotects your home and contents from the additional risks that running a B&B can bring.
Park homes As park homes and chalets grow in popularity, owners can benefit from cover designed for the unique needs of these properties.
Unoccupied homes We offer special rates for properties in probate or those awaiting refurbishment.
Second homeandholiday home insurancecovers everything from a chalet to a large second house in the country.
High-net-worth homes This covers period properties, high-value dwellings, and their contents, including antiques and valuables.
Non-standard homesinclude Listed buildings and Victorian homes, Thatched roof homes (we cover all types and styles of thatch), flat roof homes, and Flats above shops or commercial premises!
Houses with unusual constructionssuch as wood-built homes, log cabins, and chalets.
There are two main types of home insurance:
Buildings insurance Covers the structure of your home and its fixtures and fittings, including the roof, walls, and fitted kitchens and bathrooms.
Outside the home, building insurance covers outbuildings like garages and sheds, as well as drains and pipes if you're responsible for them.
It covers the cost of rebuilding or repairing your home if it's damaged by events such as:
Theft or attempted theft
Moving objects, including vehicles, falling trees, or lamp posts
Contents insurancecovers the items inside your home that you'd normally take with you if you moved.
It can cover items like:
Freestanding furniture, such as wardrobes and cabinets
Contents insurance also protects you against the cost of repairing damage caused by events such as:
Theft covers you if something happens to your belongings. For example, if your home is broken into and items are stolen, it can cover the cost of replacing them. If your belongings are damaged in a flood, it can cover the cost of repairing or replacing them.
Home insurance isn't for the upkeep of your home or routine decorating. It also doesn't cover you for 'wear and tear'.
What kind of home insurance do you need?
The type of cover you need depends on whether you own or rent your home:
If you are a homeowner, combined buildings and contents insurance covers your home and its items.
If you rent, you'll only need contents insurance covering items you own. Your landlord will arrange building insurance.
Business-Related Home Insurance for Landlords
Blocks of Flats and Maisonettes
Bed & Breakfast Insurance
Park Homes Insurance
Unusual and Unoccupied Homes
Buildings & Contents Insurance
● FAQS
Frequently asked questions
1. What is home insurance?
Home insurance covers your property and belongings against damage, theft, fire, and other risks. Buildings insurance covers the structure, contents insurance covers your possessions, and combined policies cover both. Call 01323 416706 for a quote.
2. Do I need buildings and contents insurance?
If you own your home, buildings insurance protects the structure. Contents insurance protects your furniture, electronics, and personal belongings. Most homeowners benefit from a combined policy covering both.
3. Does home insurance cover flood damage?
Yes. Most home insurance policies cover flood damage as standard. If your property is in a high-risk flood area, some insurers may apply additional terms. Call 01323 416706 to discuss your property.
4. Can I insure a non-standard construction home?
Yes. UK Sure covers non-standard construction including flat roofs, timber frames, listed buildings, thatched roofs, and properties with unusual features. Tell us about your property and we will find the right cover.
5. What is accidental damage cover?
Accidental damage cover protects against unintentional damage — such as spilling paint on a carpet or putting a foot through a ceiling. It is an optional extra on most home insurance policies.
6. How much does home insurance cost?
The cost depends on your property type, location, rebuild value, contents value, and the level of cover you choose. Get a quote online or call 01323 416706 for a competitive price.
7. What is the meaning of home insurance?
The idea of home insurance is to pay you enough money to repair or replace items if things go wrong. This could include: replacing stolen items after a burglary. repairs due to storm damage.
8. What does home insurance typically cover?
Standard policies usually cover the building structure, contents inside, liability cover, and additional living expenses if your home becomes uninhabitable.
9. Do I need both buildings and contents insurance?
Yes, if you own your home. Buildings insurance covers the structure, while contents insurance covers personal belongings.
10. Is home insurance mandatory in the UK?
It’s not legally required, but mortgage lenders usually require buildings insurance.
11. Can I get home insurance if I rent?
Yes, tenants can get contents insurance to cover their belongings. The landlord usually insures the building.
12. How is the premium calculated?
Premiums are based on factors like property value, location, security features, claims history, and level of cover.
13. Does it cover accidental damage?
Accidental damage isn’t always included but can often be added as an optional extra.
14. What is a home insurance excess?
It’s the amount you agree to pay out of pocket when making a claim. A higher excess usually means lower premiums.
15. What should I do if I need to make a claim?
Contact your insurer as soon as possible with evidence (photos, receipts) and details of the incident.
16. Will my premium go up after a claim?
It can, depending on the nature and cost of the claim.
