Personal Lines Insurance

Household Insurance

Comprehensive cover for your home and everything in it. Our household insurance combines buildings and contents cover in one convenient policy, protecting your property investment and personal belongings.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Household Insurance Cover?

Household insurance typically combines buildings and contents cover to protect your home and possessions. The exact coverage depends on your policy, but may include:

Buildings Insurance

Protection for the structure of your home, including walls, roof, fitted kitchens, bathrooms, and permanent fixtures against fire, flood, storm, subsidence, and other insured perils.

Contents Insurance

Cover for your personal belongings including furniture, electronics, clothing, and household items against theft, damage, and loss.

Personal Liability

Protection if you accidentally injure someone or damage their property. Typically covers up to £1m-£2m in liability.

Home Emergency Cover

24/7 emergency assistance for urgent repairs such as burst pipes, broken locks, heating failures, and electrical problems.

Accidental Damage

Optional cover for accidental damage to buildings and contents beyond standard perils, such as broken windows or damaged furniture.

Specified Items

Additional cover for high-value items like jewellery, art, or electronics that may exceed standard contents limits.

Alternative Accommodation

Cover for temporary accommodation costs if your home becomes uninhabitable due to an insured event.

Locks Replacement

Cover for the cost of replacing locks if keys are lost or stolen.

Legal Expenses

Optional cover for legal costs related to property disputes and claims.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Comprehensive Protection

Combined buildings and contents cover in one policy for complete home protection.

Personal Service

Speak directly to experienced advisors who understand your home insurance needs.

24/7 Support

Emergency assistance and claims support available whenever you need it.

Flexible Policies

Customisable coverage options to match your specific requirements and circumstances.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Homeowners wanting combined buildings and contents protection
Property owners with mortgages (often required by lenders)
Renters needing contents-only insurance
Anyone with valuable possessions requiring comprehensive coverage
Families wanting emergency home repair assistance
Property owners concerned about subsidence or flood risk

What We'll Need for Your Quote

1
Property address and postcode
2
Property type (detached, semi-detached, terraced, flat, etc.)
3
Year of construction and construction type
4
Rebuild value of the property (not market value)
5
Estimated value of contents
6
Number of bedrooms and bathrooms
7
Any previous claims in the last 5 years
8
Security features (locks, alarms, etc.)

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Common Questions

Quick answers to frequently asked questions about this insurance

What does household insurance cover?Do I need buildings insurance if I rent?What is the difference between new-for-old and indemnity cover?Are high-value items automatically covered?What is accidental damage cover?

View all FAQs

Frequently Asked Questions

What's the difference between buildings and contents insurance?

Buildings insurance covers the structure of your home and permanent fixtures (walls, roof, fitted kitchens, bathrooms). Contents insurance covers your personal belongings (furniture, electronics, clothing). Household insurance combines both into one convenient policy.

Do I need household insurance if I own my home outright?

While not legally required if you own your home outright, household insurance is strongly recommended to protect your property investment and possessions. If you have a mortgage, your lender will require buildings insurance.

What is 'rebuild value'?

Rebuild value is the cost to rebuild your home from scratch if it were completely destroyed. It's different from market value and is what you should use for buildings insurance. We can help you calculate this accurately.

Can I get contents-only insurance if I'm renting?

Yes, renters can get contents-only insurance to protect their personal belongings. Your landlord's buildings insurance covers the property structure, but not your possessions.

Does household insurance cover accidental damage?

Standard household policies typically don't cover accidental damage. However, you can usually add accidental damage cover as an optional extra for an additional premium.

What happens if I make a claim?

Contact us immediately after an incident. We'll guide you through the claims process, help gather evidence, and liaise with your insurer. We're here to support you throughout.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.