- Homeowners
WHAT COVER IS OFFERED?
Our policies offer cover for
just about everything you own in your home – furniture,
household goods, television, computer, clothing, jewellery,
personal effects – plus of course the very home you
live in along with all outbuildings, garages, even your swimming
pool (if you have one)
The insurance protects you against
damage or loss caused by
- Fire
- Earthquake
- Theft
- Vandalism
- Flood
- Water leaks
- Storm damage
EXTRA COVER INCLUDED AS STANDARD
- Liability for you and your family, such as your dog
biting the Postman
- Cover for broken glass
- Food in your freezer being spoilt due to failure of
the freezer or power supply
- Student effects whilst away at university
- Cover for household effects in a shed, outhouse or
garage or in your garden. (Limits apply)
- Family legal protection
OPTIONAL EXTRA COVER
Sometimes you need more than
just the standard cover. We can help by offering cover for
- Accidental loss or damage to your personal possessions
away from home.
- Accidental damage to your home contents whilst in the
home
- Loss of money and/or misuse of credit cards
- Cover for bicycles away from home for theft or accident
- Specified cover for high value jewellery, collections
and works of art
- Businesses working from home – see our separate
web-page
HOW MUCH COVER DO I NEED?
Your home contents should
be insured for the full, new for old value. For help in reaching
this figure please click the link below
When insuring domestic buildings
you should always insure for the rebuild value not the market
value. But how much is the rebuild value and how do you work
it out if you are not a surveyor? The simple answer is to
follow the link below.
SPECIAL POLICIES FOR SPECIAL SITUATIONS
There is a huge variety of
housing within the UK. As such we offer specialist policies
for
- Listed buildings or buildings made of stone, timber,
flint etc
- Thatched properties
- High Nett Worth Clients
- In Scotland, feuhold properties
- Properties let out – see our separate page for
landlords insurance
- Business at home – see our separate page on work
form home insurance
CLAIMS ASSISTANCE
It's a relief to know that
we're on hand to help should you need to make a claim. That's
why all our policies have a 24 hour emergency helpline to
provide the help you need when the worst happens.
In addition, most claims are
now handled without the need for forms.
Generous Discounts
We recognise that some people
make more of an effort to protect their homes than others.
That is why we can offer discounts for:-
Approved locks
Maintained alarms
Membership of Neighbourhood Watch
First time buyers
And even if your current insurer
does not offer a no claims discount we can offer a discount
for new customers who confirm they have been claim free during
the last 3 years.
PLUS
We offer a wide range of other
services including:
- Caravan Insurance
- Travel Insurance
- Personal Accident Insurance
- Holiday Home Insurance
As independent brokers we search
over 20 different insurers to get you the right policy.
HOW TO APPLY
There are so many options
to choose from we would rather take a few moments of your
time to ensure we get a policy to match your needs. As such
we ask you to call our freephone number on 0800 092
4383 and we'll arrange the best quotes for you. You
can pay your premium by cash, cheque, card or monthly by direct
debit.
By using Manor Insurance as
your broker you will receive Impartial – Friendly
– Professional Advice
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