A man servicing a boiler
KGJ Main Leaf

What is Home Insurance?

Home insurance is a type of insurance that provides financial protection for a home and its contents. Home insurance policies typically cover the cost of damage or loss caused by events such as fire, theft, vandalism and certain types of weather-related damage.

There are two main types of home insurance – buildings insurance and contents insurance.

  • Buildings insurance covers the cost of repairing or rebuilding the structure of the home, including fixtures and fittings such as kitchens and bathrooms.
  • Contents insurance covers the cost of replacing or repairing personal belongings inside the home, such as furniture, electronics, and clothing.

Some home insurance policies also offer additional coverage, such as accidental damage cover, which protects against damage around the home caused by accident, and legal expenses cover, which can help towards legal fees if there’s a dispute with a neighbour or other party regarding your home.

When selecting a home insurance policy, it’s important to carefully consider the level of cover required and the cost of the policy. It’s also important to read the terms and conditions carefully to understand any exclusions or limitations.

Home insurance is not a legal requirement in the UK, but many mortgage lenders require borrowers to have home insurance as a condition of the mortgage. Contents insurance is optional but can provide valuable financial protection for the belongings inside your home. Ultimately, home insurance can offer peace of mind and financial protection, helping to mitigate the costs of unexpected events and providing reassurance that your home and belongings are covered.

KGJ Main Leaf

Why Choose KGJ for Home Insurance?

The home is such an important part of our everyday lives and is quite often filled with the things we love most. From the treasures and trinkets obtained as we live our lives to the equipment needed to function and carry out our jobs, the home contains the very essence of who we are. Very few people are willing to “risk it” by not taking out a home insurance policy.

But as with all things in life, it’s vital to cut through the myriad of home insurance policies that seem too good to be true (they often are) and find a policy that covers your exact needs – and that’s where KGJ can help. As easy as it is to hop on the internet and take out the first home insurance policy you find, are you getting the cover you think you are? All too often, some exclusions and caveats mean that when you need to make a claim, there is no payout forthcoming.

Providing our clients with financial security and peace of mind are the aims of everything we do here at KGJ. When you need to protect the things that matter most, our bespoke home insurance brokerage services will ensure you a tailored solution that fits your exact needs, all backed up with advice and assistance throughout the length of the policy.

Get in touch with the experts at KGJ and find the perfect home insurance cover for you.

A busy office