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Home and Property Insurance

Home and property insurance articles

Home and property as birthday gift

Fendi Celebrates Their 100th Birthday

While there’s no one-size-fits-all answer as the cost of cover can vary greatly depending on a range of factors we have pulled together this helpful guide, to take a look at the typical price range of the different types of plumbers insurance so you know what to expect.

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How Does Second Home Insurance Work

Whether it’s a holiday home, a weekend retreat or an inherited family property, it’s important to make sure it’s properly protected. Second home insurance is designed to do just that.

A panoramic aerial view of a vibrant green countryside landscape, featuring gently rolling hills, clusters of trees, and wide open fields.

Does Your Insurance Increase for a Holiday Home

However, whether it’s a property that you keep for yourself, share with friends and family, or rent to guests, a holiday home often comes with additional considerations and costs.

 Modern, sunlit bedroom with large windows, city and waterfront view, neutral decor, and minimalist furnishings

How Long Can You Leave a Property Unoccupied

Having an unoccupied property can be an unfortunate but common occurrence as a landlord. This could be down to a gap between tenants, time needed for repairs or an extended holiday by your tenants. Either way, when your property is left vacant, the risks associated go up.

Waterside brick townhouses with green balconies reflected in a calm canal under a clear blue sky

Do I Need Holiday Home Insurance

Holiday home insurance is an insurance policy that can provide extra protection for properties that serve as holiday spots for short-term rent

A wide view of a suburban neighborhood blanketed in snow, with rows of houses topped with white rooftops.

On the first day of Christmas, I had to make a claim

t may be said to be the most wonderful time of the year, but Christmastime comes with a whole host of risks. We take a look at twelve of the most common perils this festive period.

Urban homes standing tall under a stormy sky.

Preparing Your Home For Storms

High winds, plummeting temperatures, heavy rainfall and snow could combine to create a dangerous situation for your home, your business, and yourself

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How To Check If Your Home Is Underinsured

Did you know that, on average, properties are only covered for 63% of the value they should be? This could mean that in the event of a disaster, your insurer may apply the ‘average clause’ which means you would only receive a percentage of what you need to repair the damage caused by the disaster.

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Understanding wind damage: insurance and prevention tips for homeowners

Protect your home from wind damage with our comprehensive insurance policies and prevention tips for homeowners. Stay safe and secure.

Aerial view of a flooded residential area with water covering streets

Flood Planning and Preparation for Your Home

Our helpful guide takes you through some of the key considerations when preparing a flood plan to protect your property and possessions.

Open and closed cardboard boxes in a living room with a grey sofa in the background.

Time Limits on Probate Applications

What it the time limit on applying for probate? We answer this and other questions around applications for probate.

 Modern, sunlit bedroom with large windows, city and waterfront view, neutral decor

How to keep your home safe while away

We’ve put together a checklist of different things to check to keep your unoccupied home safe and sound while you’re away

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Protecting Your Home From Fire and Flood Risks

Read a few quick tips to protect your home from the risk of fire and flood damage.

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A Guide to Empty Property Rates

Do you own a vacant property? Get familiar with the responsibilities involved with our run-down on empty property rates.

A row of modern townhouses with a clean, contemporary design featuring angled roofs, large vertical windows, and a mix of muted green cladding.

Understanding the risks of solar panel rooftop systems

We spoke to Paul Farmer, Head of Technical at RiskSTOP Surveys Ltd, about the emerging risks associated with roof mounted solar panel systems.

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Guide to Probate and Property

Read our guide to probate, property involved and how to make sure it is insured.

Silver keys attached to a red house-shaped keychain.

How to Protect Your Home While You're Away

How do you keep your home secure while you are away on holiday? Learn new tips and tricks on how to protect your home.

Close-up of two hands holding a white paper cut-out of a house, with a small red heart on one fingertip.

Do Holiday Homes Need EPCs

An Energy Performance Certificate (EPC) is a guide that shows how efficiently a property uses energy and the cost of running the property.

A row of brightly painted beach huts stands on sandy ground, each in different pastel and vibrant colors.

How to Care for Your Beach Hut

Beach huts are vulnerable to harsh coastal elements. Our guide explains how to keep your hut in good condition.

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Why Does My Empty House Smell

Noticed some musty smells in your vacant house? Here's some info on the causes behind them and the steps you can take to eliminate odors for good.

A close-up image of a construction worker wearing protective orange gloves carefully placing a red brick onto wet mortar atop a partially built brick wall.

How to Spot Signs of Subsidence

There are a four main types of movement that can have an impact in your home: subsidence, settlement, ground heave, and landslip. In this article, we investigate what is subsidence and what causes it as well as the signs to look out for.

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How To Insure an Unoccupied Property

Unoccupied property insurance is a type of cover that is specially designed to protect properties that are left empty/vacant for an extended period.

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A Simple Guide to Home Insurance

Broadly speaking, the term home insurance covers two types of insurance: buildings insurance - covering the building; and contents insurance - covering items within the home

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What to Do When Marketing Your Holiday Home

This is how success in all marketing campaigns is crafted, and is no different when trying to market your holiday home. Identify what market you want to tap into – families, couples, groups of friends

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How do Trees Affect Home Insurance?

Many of us have heard the modern myths about how it raises the price of your home insurance but what is the actual truth to insuring properties with trees? Our quick guide sets the story straight.

Power of Attorney and Executive Trustees

Taking care of a property belonging to a friend or love one with the power of attorney or as an executive trustee needn’t be stressful.

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Refunding and Cancelling Your Property Insurance

we have designed our policies with flexibility in mind and why we maintain clear and simple refunding, cancelling and adjusting processes across our property policies.

A father and his two young children, a boy and a girl, are lying on the floor inside a blanket fort, looking at an open book together.

A Guide to Insurance for Foster Homes

Insurance is probably one of the last things you’ll consider in the grand scheme of things, but having the right cover in place could be very beneficial for you and for the children you care for.

Luxury apartment blocks reflected in the water.

Getting Insurance in a Flood Risk Area

Getting cover for your property can be tricky if you’ve previously claimed for flood damage or your property is in a flood risk area.

A row of brightly painted beach huts stands on sandy ground, each in different pastel and vibrant colors.

How to Prepare Your Beach Hut for Winter

Beach hut associations provide a valuable service for the beach hut community. They often arrange beach hut patrols which enable owners to be alerted if their hut has been damaged

Village street with traditional stone cottages and green foliage under a blue sky.

Non Standard Property Explained

Standard construction for residential properties is bricks and mortar or stone, with a slate or tiled roof. Non standard properties can feature one or more of the following aspects in their construction

A green and black model train on a gravel track, with green foliage and rocks in the background

Does Home Cover Include Model Railway Insurance?

Model engineers often rely upon their household insurance policy to respond in the event of a loss, but this may not be sufficient. Specialised model insurance is therefore recommended for individual modellers and model engineers.

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A Guide to Inheriting a Property

A property doesn’t have to be dealt with immediately and most banks or lenders are sympathetic to your situation. Inheritance tax doesn’t have to be paid for up to 12 months and most mortgages have a period of grace while you make your arrangements

Stone cottages along a small sandy beach, surrounded by lush green hills

What is Classed as a Holiday Home for Insurance Purposes?

Typically, a holiday home is classified as a property that is not your primary residence and is used for leisure, holidays or as a rental for short-term guests. This means that if you use the property solely for personal holidays or rent it out to paying guests on platforms like Airbnb, it may qualify as a holiday home.

A row of brightly painted beach huts stands on sandy ground, each in different pastel and vibrant colors.

Tips for Decorating Your Beach Hut

Although beach huts are tiny things - similar in size to the average bathroom - planning can make the small space go a long way.

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A Guide to Airbnb Insurance

The Host Guarantee is not insurance and should not be considered as a replacement or stand-in for home-owners or renters insurance. Hosts may want to consider independent insurance to cover valuable items like jewellery, artwork, or collectibles which are subject to limited protection under the Host Guarantee

A row of colorful terraced houses, with one painted purple, one left in exposed brick, and another painted white with a bright red door.

What to do with an Empty House

Letting out your empty house is a great way to make your property work for you and to earn some extra money

A young couple with a child tours a spacious, modern home with large windows and a skylight, while a real estate agent reviews documents.

A Guide to Shared Ownership Property Insurance

Buying a property using the Government’s shared ownership scheme can be an excellent way to get onto the property ladder as it enables buyers to purchase a share of the property (25%-75%) and pay rent on the remainder.

A canal with calm water reflecting brick apartment buildings on its left bank.

Where to buy a holiday home in Europe

To buy a holiday home can be tricky but there are still some prime locations that will make you want to jet off right away. We've selected four sunny hotspots: Spain, France, Portugal and Cyprus - each with their own unique draws.

Vintage Tractor Safety Checks

Planning to use your vintage tractor? Follow our safety checklist to prevent accidents and stay protected.

Charming yellow thatched cottage with white-framed windows, surrounded by a lush green garden and colourful flowers.

The Rebuild Cost of a Listed Building

The rebuild cost is the amount you insure your property for in case you should ever need to rebuild it. However, this can be a little more complex when it comes to a listed property. Read our guide for more information on calculating the rebuild cost of a listed property.