Your home is your most valuable asset. Insure it properly.
The right policy means that if the worst happens — fire, flood, storm, theft — your insurer pays to repair, rebuild, or replace. As an independent broker with no restricted panels or schemes, we build cover around your exact requirements.
We arrange cover for unique and non-standard households
Our open market access means we can place cover for circumstances many standard insurers won't touch.
Don't see your exact situation listed? Our team will still talk it through with you.
Get a Home Insurance QuoteIndependent, whole of market, with the extras that matter
Whole of market
No restricted panels, no schemes — a full market review means competitive pricing and appropriate wording for your circumstances.
Cover that extends further
Family legal expenses, home emergency cover and excess protection insurance, available to build around your policy.
Built around you
One size doesn't fit all — as an independent specialist, we craft cover around your exact requirements, not a template.
Can I work from home on standard home insurance?
Most insurers will now allow an element of home working, depending on the nature and frequency of it. This must be disclosed to your insurer, who will confirm whether your specific home working arrangement is acceptable on their policy — it's a quick check that's easy to overlook until a claim depends on it.
See our full range of non-standard home cover →Home Insurance FAQs
Do I need Home Insurance?
There is no legal requirement to have home insurance for either buildings and/or contents. But having them could provide peace of mind and financial protection should something unexpected happen. It may also be a stipulation of your mortgage to have buildings insurance to satisfy your lender's terms and conditions.
What is covered on Home Insurance?
Cover does vary, but generally speaking home insurance will cover events such as fire, flooding, storm damage, burst pipes, subsidence and theft. You should always check your policy documents for full cover details.
What affects the cost of my Home Insurance?
A number of factors go into the calculation of home insurance premiums, including property type, property location, property age, home security, construction materials, value of possessions and claims history.
Does credit score affect Home Insurance?
More and more insurers are starting to use credit score as a rating factor, meaning a better credit score can result in a reduced home insurance premium.
Can I get Home Insurance for a listed building?
Yes, most insurers will insure listed buildings, though premiums can often be higher due to the bespoke building materials and construction methods used on these types of properties.
Can I get Home Insurance if I live in a flood risk area or my home has previously flooded?
Yes. Home insurance is generally still available even if you live in an area with a high risk of flooding, thanks to the government-backed Flood Re reinsurance scheme, which applies to most residential properties built before 2009.
Can I work from home on standard home insurance?
Most insurers will now allow an element of home working, dependent on the nature and frequency of the home working. This must be disclosed to your insurer, who will advise if your home working is acceptable on their policy.
Don't leave it to chance.
A quote for your home usually takes one short online form or call.
Get a Home Insurance Quote
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(AR) of Brunel Insurance Brokers Ltd which is registered in England and Wales.
Company no. 7509771. Registered Office: The Crescent, Temple Back,
Bristol BS1 6EZ. Brunel Insurance Brokers Ltd is authorised and regulated by
the Financial Conduct Authority (FCA). FCA Number: 556188