Home Insurance

Home Insurance
Advice

What Is Home Insurance?

Home insurance provides financial protection for your residential or rental property. It can include both buildings and contents cover, helping safeguard the structure of the property and everything inside it. Whether it’s fire, theft, flood, or accidental damage, home insurance can protect your finances from any unexpected risks.

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The Value of Home Insurance

Your home is more than just bricks and mortar, it’s your sanctuary, your investment, and the place that needs protecting. At Boon Brokers, we will help you choose the right home insurance for you, guiding you through the whole process with expert, fee-free advice tailored to your needs.

  • Fee-free expert home insurance advice
  • Whole-of-market access to leading buildings and contents insurers
  • Personalised property protection with tailored insurance
  • Specialist support for landlords, homeowners, and holiday lets

Find Your Home Insurance, Your Way

Having the right home insurance can make all the difference when the unexpected happens. Book a free, no-obligation consultation with one of our expert advisers today and find a home insurance policy that’s personalised to your property, lifestyle, and financial needs.

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Home Insurance Built Around You

Every home is different, and your insurance should be too. At Boon Brokers, our dedicated insurance experts will help you find you the best insurance that matches your needs. Whether you’re a homeowner or landlord, we help you secure buildings and contents cover that reflects your property type, location, and needs.

Fee-Free Mortgage and Insurance Advice

From providing expert mortgage advice to insurance comparisons and policy setup, Boon Brokers provides you with a fully fee-free service - guiding you every step of the way. Regulated by the Financial Conduct Authority, our guidance is completely impartial, and personalised to your circumstances, helping you find the best insurance cover that matches your needs.

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Whole-of-Market Access

We compare policies across the UK whole-of-market, helping you find home insurance that suits your property type, level of cover, and budget. Whether you need residential, landlord cover, buildings contents, or more, we can help you find the insurance that matches your unique situation.

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Why Choose Boon Brokers?

At Boon Brokers, securing your home insurance is simple. With whole-of-market access, our dedicated advisers thoroughly search the UK market to focus on what matters most to you. From selecting the perfect policy to managing all the paperwork, we work closely with you every step of the way. No confusing terms, no surprise fees - just straightforward, tailored advice designed around your needs.

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Our Process

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Step One

Book a free consultation by completing our Request a Callback form or email us.

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Step Two

One of our friendly advisers will contact you to learn more about your situation.

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Step Three

Relax while we find you the best Insurance product.

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Secure Your Home Insurance Today

Fill out the form below to arrange a free, no-obligation call with an expert insurance adviser. Our dedicated team is here to help you find the right policy for your property, budget, and specific requirements.

     

    Frequently Asked Questions

    FAQ

    What Does Home Insurance Typically Cover?

    Home insurance can be tailored to your needs, but will usually include buildings insurance, contents insurance, or both. Home insurance can cover damage to your home’s structure and contents, and may also include temporary accommodation if your property becomes uninhabitable.

    Do I Need Both Buildings and Contents Insurance?

    No, home insurance is not legally required in the UK. While both buildings and contents insurance are strongly recommended, neither is mandatory by law. However, most mortgage lenders will require buildings insurance as a condition of the loan, since it protects the structure of the property. Contents insurance, which covers your personal belongings, is typically optional and depends on your individual needs and preferences.

    Is Home Insurance a Legal Requirement in the UK?

    No, home insurance isn’t a legal requirement, but buildings insurance is usually required by mortgage lenders. Even if not mandatory, having home insurance in place is a smart way to protect against unexpected damage, loss, or costly repairs.

    How Much Should I Insure My Home For?

    As a general rule, you should insure your home for its rebuild cost, not the market value. For contents insurance, estimate the full cost of replacing everything inside your home in the event of total loss or damage. At Boon Brokers, our dedicated insurance advisers will be able to help guide your policy to your exact needs.

    What Is Accidental Damage Cover?

    Accidental damage cover is typically an optional extra that protects against unforeseen mishaps such as broken windows or spilled paint. It adds an extra layer of security, offering valuable peace of mind - especially for busy households.

    Can I Get Home Insurance for a Rental Property?

    Yes. Landlords can obtain specialist landlord insurance, which typically includes buildings cover along with optional extras such as liability protection and rent guarantee insurance. Tenants, meanwhile, may choose contents insurance to safeguard their personal belongings.

    Does Home Insurance Cover Flood Damage?

    Many policies today will include flood damage cover, but it can vary by provider and property location. If you live in a high-risk flood area, cover may be more expensive or excluded altogether, and so it’s vital to always check the policy details.

    At Boon Brokers, our dedicated insurance advisers guide you through every policy detail, ensuring you have complete peace of mind with coverage tailored perfectly to your needs.

    How Can I Reduce My Home Insurance Premium?

    You can reduce costs by increasing your voluntary excess, improving home security, and combining buildings and contents insurance. Comparing quotes through a whole-of-market broker like Boon Brokers can help you explore all of your options and save on the insurance policy that matches your needs.