 |
Home Insurance
You’ll not only find a great deal on travel insurance with Primary Insurance, but you could also save money on your home insurance as well.
Save £££s on your home insurance cover!
Home insurance policy prices vary wildly, particularly if tied into your mortgage. So it is worth shopping around and that’s why you should speak to Primary Insurance. As specialists in the insurance market, we are currently saving customers as much as £250 when they move their home insurance to us.
When you request a no obligation quote for your home insurance from Primary Insurance, we’ll make sure that you’ll find the cover you need at the most competitive price. We work closely with an extensive range of home insurance companies on your behalf, including many household names. With our buying power and specially negotiated rates, you can find the best priced home insurance with Primary Insurance.
We offer a choice of home insurance policies to suit your needs, including buildings or contents insurance, buy to let policies, insurance cover for overseas property or unoccupied property.
It’s simple to request a quote – call us today on 0870 240 3598 shown and quote ‘Internet’ for a further discount. You’ll then discover why Primary Insurance should be your first choice for home insurance.
Buildings Insurance
The law does not require you to have buildings insurance, however the majority of mortgage lenders specify that you have buildings cover as part of their contract with you.
Buildings insurance covers the physical structure and fittings of your home. Remember you are liable for any damage to your property from the moment the contract is signed. It is important to arrange insurance from this date.
A buildings insurance policy will cover all the major perils including fire, theft, vandalism, blocked drains, falling trees and other natural disasters.
The level of buildings insurance should be sufficient to cover the rebuilding cost of the property. This may not be the current market value of the property as the cost to rebuild should be significantly less. The Association of British Insurers (ABI) has an online calculator that will help you determine the rebuilding cost.
Contents insurance is designed to protect against theft and damage to your personal possessions and other moveable objects within your home. This will range from covering furniture to electrical items such as televisions and videos.
Contents insurance covers damage from theft, fire, flood as well as leaking pipes or boilers. Full details of the cover can be discussed when you request a quotation.
Specific cover can be provided for personal possessions where the value of the goods exceeds the standard limit for that item within the policy. For example jewellery and antiques may need to be valued and insured separately. Certain items can also be covered against damage outside your home.
Buy to Let
If you’re one of the growing number of individuals who has taken advantage of increasing property prices by entering the Private Rented Sector then Primary Insurance has an insurance policy to protect this valuable asset.
Standard cover protects damage to buildings (including subsidence), contents of communal areas, loss of rent, money and property owners’ liability.
Optional cover including legal expenses, landlord’s contents, employers liability and engineering cover allow you to tailor the product to your specific needs.
Essential cover for overseas property owners who let their home in the sun or leave the property unoccupied for long periods. Gain peace of mind from dealing with a UK Insurance Broker, with call centre support, that can provide a tailor-made insurance policy written in English.
The product is available for properties in Europe and offers cover similar to that available on UK properties for both buildings and contents. Specific cover for loss of rental income and the cost of providing alternative accommodation can also be included.
Unoccupied Property Insurance
Standard household insurance will not normally cover periods where the property is left unoccupied for long periods of time, typically greater than 30 days. If you are away from your home for longer than this, while on holiday or working abroad, specific cover is required.
Cover is against loss or damage caused by fire, lightening, explosion, aircraft and earthquake. Providing the sum insured is adequate there is no deduction for wear and tear of contents.
Optional cover for storm and flood damage, as well as property owners’ liability of up to £1 million allow you to tailor the product to your specific needs.