Home Insurance

Feel at home with insurance you can trust

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Our Home Insurance Products

We offer a range of buildings and contents insurance policies so we’ve got you covered for the things that matter most.

Looking for High Value Home Insurance?

If you have a high value home with possessions worth over £100,000 we offer Prestige Home insurance to protect your lifestyle.

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Peace of Mind Guaranteed

Our in-house policies include a great deal of benefits as standard to give you added peace of mind.

*applies to most policies, subject to terms and conditions.


  • Accidental damage cover
  • Flexible contents cover
  • Rent & accommodation costs
  • Up to 25% no claims bonus
  • 24-hour helpline

Expert Insurance for Your Needs

Experience the tailored care and expertise of Hepburns. We’re more than brokers; we’re your personal insurance confidants for life’s complexities.

Discover Personalised Protection


Have a question about our home insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.

Are my belongings covered outside the home or when I go on holiday?

If you live in your property and have Contents included, you will have a minimum of £5,000 of unspecified personal belongings cover with a single article limit of £2000 for most items. Your schedule will show the limits applying to your policy, or call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday

Am I covered for trace and access to a water leak?

We include cover for trace and access to water and oil leaks. This may be limited depending which policy you have. For more details please call us on 01534 835383 (JSY) or 01481 710731 (GSY) or 01481 824100 (ALD), 9am till 5pm Monday to Friday

How do I calculate what to insure my Building and Contents for?

NFU Mutual Bonus

Your loyalty recognised, providing savings on your general insurance premium.

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Articles & guides

Keep your building, contents and occupants safe with our handy home guides.

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Request a callback

Due to recent events, we are currently experiencing a very high volume of calls in the claims department. For more information, please visit our Storm Support Hub.

Need help? Get in touch!

Our friendly team is ready to help with any questions or support you need. You can contact us at any of our local offices:

Alderney Office
Open: Monday - Friday 08:30-16:30 T: (01481) 824 100
Guernsey Office
Open: Monday - Friday 09:00-17:00 T: (01481) 710 731
Jersey Office
Open: Monday - Friday 09:00-17:00 T: (01534) 835 383

Our expert advisors are here during office hours to chat about what you need and find the best solutions for you. If it's outside these hours, just leave us a message. We'll get back to you as soon as we can.

Please select your location

To provide you with a tailored travel policy, please select your island below to be taken to the appropriate quote form.

Guernsey / Alderney