Home (High value/other)

The purchase of your home may well be the biggest single investment that you make and consequently it is essential that your home is protected against all relevant risks.

It is essential that your home insurance policy is comprehensive and that your home is insured correctly. You may need contents insurance or buildings insurance or a combination of the two.

In the event of a claim, you need to ensure that your home is covered against all potential risks and that all the details are correct so that your claim will pay out.

A Typical Package

A typical Home insurance package will include the following covers:

Buildings insurance cover

Buildings insurance cover will include, all risks cover including subsidence, replacement locks if keys are stolen, cover for burst pipes, cover for permanent fittings in the home and alternative accommodation in the event of a claim that prevents you from living at home.

Contents insurance cover

Contents insurance cover includes, accidental damage cover for all contents, contents in the garden, all risks cover for items taken away from the home and deterioration of frozen food.

All risks cover

All risks cover covers certain items for loss, damage, or theft, when they are outside of your premises.

Legal expenses

Legal expenses insurance is available in many forms and is designed to help protect families, if you face legal disputes including contract disputes, tax investigations, or if you need a legal defence, you should consider legal expenses insurance. The right legal expenses insurance will protect you against potentially significant costs arising from a variety of legal disputes.

Additional Covers Include

Landscape gardens, freezer contents, sports equipment, jewellery and valuables and fine art and antiques.

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Frequently Asked Questions

We have tried to answer some of the most common questions we get asked below.

What is buildings insurance, and do I need it?Buildings insurance covers your home in terms of the structure and the permanent fixtures and fittings such as fitted kitchens and bathrooms.

If you have a mortgage you will need buildings insurance as one of the mortgage conditions and if you own your home outright, it is advisable to have buildings insurance to adequately protect your property.

If you are a tenant in a rented property it is the norm for the landlord to have adequate buildings insurance as the property owner.

What is contents insurance?Contents insurance covers your personal possessions against accidents such as fire and flood, and for theft, and loss.

Is it more cost effective to purchase a joint buildings and contents insurance policy?Yes, it can be. This will depend on your situation and what you require from your home insurance. Speak to a member of the Allied Insurance Services team if you are unsure. If you do require both buildings and contents insurance, it is most likely that a joint policy will be the most cost-effective and convenient option.

Do I need business insurance if I work from home?If you work from home in any capacity, it is essential that you inform your Allied Insurance Services account executive. It may be that you won’t need additional cover, but if you don’t inform the insurer, a future claim could be invalidated. To discuss the work that you carry out from home in more detail, get in touch and we can advise you on the right insurance policy for you.

‘What people are saying’

M Bailey – Director of Asset Managing and Plant and Machinery Valuation Co

Allied Insurance have managed our insurance program for more than seven years, ensuring we get the right insurance at the right price. More than this, they provide us with expert advice and guidance when we need it, full annual reviews of our business insurance requirements and an experienced team available when we need them. An excellent combination.

G Clarke – Director at Precision Engineering Co

We have been with Allied since our business was established in 2002. Since then our Company has grown considerably and Allied have continued to adapt or insurance policies in line with Company growth and changes. They continue to provide excellent service and advice with day to day dealings and have been of invaluable assistance in the event of claims.

K Ramsay – UK Timber Importers

Allied have been our brokers for over 15 years over which time they have remained extremely competitive and have continued to provide an excellent level of service to suit our growing business’s needs. Having suffered a large claim recently the advice provided to us was invaluable in achieving the final settlement from insurers. We would highly recommend to any business.

K Thompson – Director – Large Electrical Contracting Co

We have worked with Allied now for several years and due their expertise and friendly service. We have gradually placed all of our company insurances with them. For us they are our “one stop Shop” and take the hassle away from scouring around looking for a better deal. Allied always provide a fair and Reasonable deal.

S Tabern – Director at Security System Installation Co

Allied Insurance Services Limited have been the Insurance providers for Tate Security Technology Limited for a number of years and have always offered professional advice, provided prompt responses to our company’s changing needs and were able assist and advise us in the event of claims. We find them both friendly & courteous to deal with and competitive within the market.

Catherine Jones

For more than seven years Allied have managed our insurance program ensuring we get the right insurance at the right price. They provide us with expert advice and guidance when we need it, full annual reviews of our business insurance and an experienced team available when we need them.

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