Our Packages & Policy Types

Homeowners Insurance

A homeowners policy steps in when covered perils physically damage your main house. That typically includes blaze, lightning, destructive wind, deliberate damage and water escaping from a pipe inside the structure.

• ✓ Building Cover: Funds repair or full rebuild of the main structure after an insured event.
• ✓ Household Belongings: Looks after furniture, wardrobes, electronics and general contents.
• ✓ Third-Party Liability: Handles the cost of injury claims brought by people on your premises.

Tenant & Renters Insurance

A landlord insures the walls, not the contents. Renters cover fills the remaining gap for a small monthly figure, which is usually the cheapest useful policy on the market.

• ✓ Contents Protection: Covers the devices, clothes and equipment kept in your rental.
• ✓ Temporary Accommodation: Pays for somewhere to stay if the property becomes unusable.
• ✓ Damage To Others' Property: Covers accidental harm to belongings or injury to a visitor.

Auto & Vehicle Insurance

Stay on the right side of your state minimums while protecting cars, pickups and SUVs from crashes, theft, storm damage and claims made by other road users.

• ✓ Own-Damage Cover: Settles repairs after a collision, theft, vandalism or falling debris.
• ✓ Third-Party Injury Costs: Covers treatment and related bills arising for others in a crash.
• ✓ Cover For Under-Insured Drivers: Steps in when a careless motorist carries no or thin cover.

Property & Real Estate

Made for landlords, investors and owners of offices and shops who need the physical asset and the income it produces protected.

• ✓ Building Protection: Insures multi-unit residential and commercial real estate alike.
• ✓ Lost Rent Reimbursement: Makes up rental shortfall while repairs are compulsory after a loss.
• ✓ Code Upgrade Endorsements: Helps bring an older structure up to current building rules.

Small Business Insurance

Shield day-to-day trading from customer claims, damage at your premises and the knock-on cost when trading has to stop.

• ✓ Commercial Liability: Responds to third-party injury and advertising injury claims.
• ✓ Owner Package: Rolls liability and premises cover into a single contract.
• ✓ Lost Trading Income: Substitutes for net profit lost while doors stay closed.

Travel Insurance

Book with more confidence once trip costs, urgent help on the ground and cancelled flights are covered by a policy that bends with your plans.

• ✓ Trip Cancellation: Returns money spent on a booking that a covered event stopped you taking.
• ✓ Urgent Care Overseas: Settles sudden illness, injury and evacuation costs abroad.
• ✓ Luggage Protection: Pays out for personal items that go missing or are damaged in transit.