Covering all the bases

HOME insurance, incorporating buildings’ cover, contents’ cover and the additional protection of ‘all risks’ and personal liability, is for most homeowners a vital shield against the unexpected slings and arrows of life.

If you have a mortgage, you will have to purchase home insurance, but what product will suit you best?

If you’re tempted to shop online, look up every company on your short list, not just those that wave to you from the price comparison sites, as some firms remain resolutely independent. Once you’re attracted by a potential quote, pick up the phone and go over those essential details to flesh out a bespoke policy that makes sense for you and yours.