Home Insurance

Home Insurance pays out if your property is destroyed by fire, flood or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.

You might be offered buildings insurance when you take out your mortgage, but you don’t have to take what’s on offer and Smith Coffin Residential can provide a tailored quote from our panel of providers, ensuring you get the correct level of cover for your needs and at a price that is affordable to you.

What’s covered

Your cover is based on what your home would cost to rebuild. You can check whether you have enough buildings insurance through the Building Cost Information Service (BCIS) website. It has an online tool to help you calculate the sum you should insure your building(s) for, in case your home has to be entirely rebuilt.

You need to tell your insurer if you extend your property, for example with a loft conversion or conservatory. Your belongings are not covered – these need to be covered separately with contents insurance.

Keeping costs down

Smith Coffin Private Finance Ltd are able to compare policies from our panel of leading insurance providers to ensure you get an appropriate insurance policy that is affordable to you.

Most policies have a standard excess charge which means you agree to pay the first part of any claim, for example the first £50 or £100. If you agree to pay a higher excess you might get a cheaper policy.

Smith Coffin Residential believe Its important to compare what’s covered by a policy, not just the price – some might be cheaper than others, but they may not offer the same level of protection.

For all Insurance policies, individual terms, conditions, exclusions limitations and excess may apply depending on the particular risk being covered and it is important to disclose all material facts that will have a bearing on the proposed policy to ensure that you are adequately covered in the event of making a claim

Please always refer to your policy terms and conditions booklet which is included with your certificate of insurance. Please contact us for full details.