House Insurance policies are designed to protect your most valuable asset against loss or physical damage.
Murray & Spelman compare insurers to find the most competitive rate available on the market because we understand how important it is to safeguard your home against the unexpected.
Your Private Dwelling House / Main Residence
Guest Houses / Bed and Breakfasts
Properties in the course of construction
Properties in the course of renovation
Damage caused by:
Fire, explosion, lightning, or earthquake
Flooding, storm and subsidence (the ground moving underneath the building), with some restrictions
Riot, vandalism, or other violent acts
Burglary or attempted burglary that results in damage to your home or its fixtures and fittings
Water or oil escaping from a fixed appliance in your home such as burst pipes or a burst water tank
Vehicles or animals damaging buildings, walls, gates or fences
Falling trees and branches.
Food that has spoiled in a fridge or freezer because of a power failure or the fridge or freezer breaking down.
Cash, stolen from your home, up to a certain limit.
The policy may also cover money spent on debit or credit cards stolen from your home.
To discuss your home and its House Insurance requirements, please contact any member of our Household specialist team.