Insurance Products For Residential Properties

Property insurance is essential to protect your investment and provide financial security in case of unexpected events that could cause damage or loss to your property. It safeguards your assets and provides coverage for repair costs, replacement, liability claims, and other related expenses.

We offer a range of property insurance options, including homeowners insurance, landlord insurance, commercial property insurance, and vacant property insurance. Each policy is tailored to meet the specific needs of homeowners, landlords, and commercial property owners.

Homeowners insurance is designed for individuals who own and occupy their primary residence, providing coverage for the structure, personal belongings, liability, and additional living expenses. Landlord insurance, on the other hand, is specifically for property owners who rent out their property to tenants and includes coverage for rental income, liability claims, and damages caused by tenants.

Here are some of the important maintenance factors to consider when winter approaches:

Roof Inspection and Repairs:

Check for loose or damaged roof tiles or shingles. Repair any leaks to prevent water damage during heavy rainfall or snow.

Gutter and Downspout Maintenance:

 Clear gutters and downspouts of leaves and debris to prevent blockages and water buildup, which can lead to roof and foundation damage.

Insulation and Draught-proofing:

 Ensure your home is well insulated and draught-proofed to keep it warm and energy-efficient. Consider adding insulation to the loft, walls, and floors.

Heating System Servicing:

Have your heating system serviced annually to ensure it operates efficiently throughout the winter. Consider upgrading to a more energy-efficient system if needed.

Pipe Insulation:

Insulate water pipes to prevent freezing and bursting during cold spells. This will help avoid costly water damage and repairs.

Chimney and Fireplace Maintenance:

If you have a fireplace or wood-burning stove, have the chimney cleaned and inspected to ensure safe operation.

Window and Door Seals:

Check for gaps around windows and doors and replace or repair seals as needed to prevent heat loss and draughts.

Exterior Maintenance:

Trim trees and shrubs to prevent overhanging branches from causing damage during storms. Repair or replace damaged siding and exterior paint to protect against the elements.

Pest Control:

 Seal any cracks or openings that pests could use to enter your home seeking warmth and shelter during the winter months.

Emergency Preparedness:

Stock up on essentials like salt or grit for de-icing paths and driveways, and ensure you have essential emergency supplies in case of power outages or severe weather.