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Home Insurance

At the Insurance Surgery, we know your home is more than just bricks and mortar, it’s your sanctuary, your base, and where life happens. That’s why we’ve partnered with a trusted home insurance provider to offer solutions designed to give you peace of mind, whether you’re a first-time buyer, a long-term homeowner, or simply renewing your cover.

What Is Home Insurance?

High blood pressure (hypertension)

Increased stroke risk

Risk of aortic rupture

Nosebleeds

Angina

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

Home insurance is a type of financial protection that helps cover the costs if your property or possessions are damaged, destroyed or stolen. In the UK, it’s not legally required, but if you have a mortgage, your lender will almost always insist on buildings insurance at a minimum.

Even without a mortgage, protecting your home and belongings against costly repairs and replacements makes good sense. At its core, home insurance combines two main types of cover:

Buildings Insurance – Protects the structure of your home: the walls, roof, windows and permanent fixtures and fittings.
Contents Insurance – Protects your personal belongings inside the home: furniture, electronics, clothes and more.

Our partner offers combined buildings and contents policies for a simpler, all in one solution.

What Does Home Insurance Cover?

Typical home insurance policies are designed to help you recover from common risks, including:

Fire, smoke, explosions and lightening
Storms, floods and escape of water
Theft and vandalism
Subsidence and structural damage
Accidental damage – this is an optional extra on many policies

Buildings cover ensures you can repair or rebuild your home if it is damaged. Meanwhile, contents cover helps you replace or repair items if they’re lost, stolen or damaged.

Some items such as jewellery, technology or bikes may need to be listed separately or added on to your policy if they exceed standard cover limits.

What’s Not Usually Covered?

It’s important to understand that standard policies won’t cover everything. You may find that your policy excludes:

General wear and tear
Poor maintenance
Pest damage
Unoccupied properties beyond a set period of time
Deliberate or negligent damage

Extras like accidental damage or personal possessions outside of the home are often available, but they usually need to be added on to your policy for an additional premium.

Optional Extras Worth Considering

To tailor your policy to what you need, you might also choose:

Accidental Damage Cover – Protection for slips, knocks and mishaps not included as standard.
Home Emergency Cover – Rapid help for urgent issues like boiler breakdowns or plumbing emergencies.
Personal Possessions Outside of the Home – Cover for phones, laptops and valuables when you’re out and about.
Legal Expenses Cover – Help with legal costs if you need to defend or pursue a claim.

Choosing the right extras can make a big difference when it comes to claims, and our partner can help you to decide what’s worth it for your situation.

Do You Need Life Insurance?

If you’re the primary breadwinner or share financial responsibilities, a life insurance policy can help your family maintain their standard of living in the unfortunate event that you’re no longer around to support them.

Life Cover Terminology

Understanding life insurance terminology is essential for policyholders to make informed decisions about their cover, we have broken down the meaning for some of the most used terms.

Useful Links

At The Insurance Surgery, we are specialist life insurance providers for those who have congenital heart defects like coarctation of the aorta. We can help compare the market to find you the right insurance providers that can meet your needs while understanding the nature of your condition.

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

We take pride in the experience that we offer, guaranteeing excellent service at all times.

25 years Experience.

With 25 years of specialist life and protection experience, we can find the perfect policy for you.

Access to a range of insurers.

With a broad selection of partners, we are well-equipped to find the best insurance deals for you.

Award-winning broker.

Known for making insurance simple, The Insurance Surgery is a trusted, award-winning broker.

Why Have The Insurance Surgery Partnered With A Home Insurance Provider?

At The Insurance Surgery, we believe insurance should be clear, straightforward and tailored to your needs. That’s why we’ve partnered with a trusted home insurance provider — allowing us to offer the same level of honest, professional advice our clients expect across all areas of protection.

Through this partnership, we provide:

Access to competitive quotes from trusted insurers
Support in understanding policy details, including inclusions and exclusions
Help and guidance throughout the claims process

Whether you’re renewing, switching providers or buying cover for the first time, we make protecting your home simple and stress-free.

Don’t leave your home and belongings unprotected. Complete the quote form today for a tailored home insurance price.

Understanding Inheritance Tax (IHT) and Life Insurance

Understanding how IHT works and the ways to mitigate its impact can help you plan and ensure that your loved ones don’t face unexpected tax bills.

How Much Does Life Insurance for HIV Cost?

Since the introduction of Highly Active Antiretroviral Therapy (HAART), premiums for those living with HIV have significantly reduced over the last 15 years. The amount you pay each month in policy premiums depends on your specific circumstances. When assessing your application, insurers will take into account factors such as your CD4 count and viral load.

Our experts will help you find the best deal to suit your needs and budget, taking the time to go through the different policies and discuss any concerns you may have.

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

James is 31 years old and was diagnosed with HIV in 2017. He wanted to obtain both life insurance and critical illness cover to support his wife and child should anything happen.

We found James Life Insurance & Critical Illness Cover below:

Total Cover
Amount:

£40,000

Monthly Premium
Cost:

£22.41

Duration of
Policy:

30 years

Life Insurance with HIV Case Study 2

Jean is aged 45 and was diagnosed with HIV in 2011. She is keen to secure level life insurance for her and her partner.

We found Jean the Level Life Insurance below:

Total Cover
Amount:

£160,000

Monthly Premium
Cost:

£15.23

Duration of
Policy:

20 years

How much cover do you need?

You can use our Cover Calculator below to determine how much cover you need. Additionally, you will need to take into consideration the following:

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE
specialist advice today.

Monday to Thursday:

9:00am – 8:00pm

Friday:

9:00am – 3:00pm

Facts About Life Insurance.

Life insurance can serve multiple purposes, including income replacement, wealth transfer, estate planning, and business succession. But how does life insurance shape up with the UK population?

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

We are committed to offering unbeatable prices. Our
Price Promise ensures that we will find you the right
cover for your circumstances.

Frequently Asked Questions

Do I need home insurance in the UK?

Home insurance isn’t legally required in the UK, but if you have a mortgage, your lender will usually insist on buildings insurance as a condition of the loan. Even without a mortgage, home insurance is strongly recommended to protect your property and belongings from unexpected damage or loss.

What’s the difference between buildings and contents insurance?

Buildings insurance covers the structure of your home including walls, roofs, floors and permanent fixtures. Contents insurance covers your personal belongings inside the property, such as furniture, electronics, clothing and valuables. Many homeowners choose a combined policy for comprehensive protection.

How Much Home Insurance Cover Do I Need?

You should insure your home for the full rebuild cost, not the market value. For contents insurance, it’s important to calculate the total value of everything you own, as underinsuring can affect the payout if you make a claim.

Does Home Insurance Cover Accidental Damage?

Accidental damage isn’t always included as standard, but it’s often available as an optional add on. This can cover mishaps such as spilling liquids on electronics or drilling through a pipe. Adding accidental damage cover can be worthwhile for families or busy households.

Can I get Home Insurance if my Property is Unoccupied?

Standard home insurance policies usually only cover unoccupied homes for a limited time (often 30 days). If your property will be empty for longer, for example, during renovations or while it’s up for sale, you may need specialist unoccupied home insurance.

For More Information, Check Out Our Latest Blogs

Stay informed with the latest updates in the insurance industry for 2025 here.

We aim to provide clear advice, breaking down the jargon, so you understand the importance of protection insurance.

Family

By Policy

Helpful Information

Life and Health Insurance for Business

Specialised Business Insurance

Helpful Information

Home Insurance

What Is Home Insurance?

Risk of aortic rupture

Nosebleeds

Cramping sensations in the legs

Sensitivity to hot and cold

Weak muscles

What Does Home Insurance Cover?

What’s Not Usually Covered?

Optional Extras Worth Considering

Life Cover Terminology

Useful Links​

Why Choose The Insurance Surgery?

Rated ‘Excellent’ on Trustpilot.

25 years Experience.

Access to a range of insurers.

Award-winning broker.

Why Have The Insurance Surgery Partnered With A Home Insurance Provider?

How Much Does Life Insurance for HIV Cost?

For a clearer idea of the average cost of life insurance, visit our Guide.

Life Insurance with HIV Case Study 1

Total Cover Amount:

£40,000

Monthly Premium Cost:

£22.41

Duration of Policy:

30 years

Life Insurance with HIV Case Study 2

Total Cover Amount:

£160,000

Monthly Premium Cost:

£15.23

Duration of Policy:

20 years

How much cover do you need?

Any outstanding debts

Mortgage/rent

Number of dependants

Take-home pay or income from other sources

Speak to our team of experts for FREE specialist advice today.

Monday to Thursday:

Friday:

Facts About Life Insurance.

7.5 million families

in the UK have no life insurance or critical illness cover.

£40,000

The average life insurance policy in the UK covers only about £40,000.

28%

of UK adults believe life insurance is too expensive.

96.9%

of all protection case claims were paid in 2024

Life insurance is unique – just like you.

Life Insurance for Parents

Life Insurance for Dads

Life Insurance for Sports & Hobbies​

Life Insurance for Self-Employed

Income Protection

Life Insurance for Smokers

Price Promise.

Obtain a cheaper quote elsewhere, we’ll beat the price and also give you a £50 gift card!*

Frequently Asked Questions

For More Information, Check Out Our Latest Blogs

Monday to Thursday:

Friday:

Useful Links

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Total Cover
Amount:

Monthly Premium
Cost:

Duration of
Policy:

Speak to our team of experts for FREE
specialist advice today.

Life Insurance for Sports & Hobbies