Buildings and Contents Insurance

Feel at home with insurance you can trust

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Benefits included as standard*

Our in-house buildings and contents policies include a great range of free benefits as standard.

Accidental Damage Cover

We include full accidental damage cover for your Home or Building and Contents as standard.

Multi-Section discount

You will automatically get a discount on your Contents because you are insuring your Buildings and Contents on the same policy.

No Claims Bonus

Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.

24/7 Helpline

Help and assistance, 24 hours a day, through our free emergency helpline.

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

Why choose Islands?

Our locally-based team is dedicated to providing specialist, personal service, to give you peace of mind with insurance cover for the things that matter.

Established and Experienced

An experienced market-leading team, delivering specialist advice and expertise for over 40 years.

Communication that works for you

Pop into our office, speak to us on the phone, send an email, or browse through our website.

Flexible policies, offering quality protection

We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.

Investing in our Community

We are proud to support the local community through several sponsorships and partnerships. Helping to protect our rich heritage and take care of our beautiful islands.

In House Claims Team

Friendly, experienced in house claims team giving guidance and help when it matters most.

Multi-policy discount

Available if you have more than one policy with us.

Levels of cover

Find out what’s included in each of our buildings and contents policies.

Features in our Levels of CoverPremierPrestige
Basis of coverRepair or Replacement for your Buildings and Contents, up to your full amounts insured including accidental damage cover as standardRepair or Replacement for your Buildings and Contents, up to your full amounts insured including accidental damage cover as standard
Finding and fixing water leaksUp to £10,000 to locate the leak and make good any damageCover to locate the leak and make good any damage with no monetary limit
Cover for your valuables. Including, Precious metals, Jewellery, Art and Collections1/3rd of your Contents value, with a single item limit of £5,0002/3rd’s of your Contents value, with a single item limit of £10,000
Rent and accommodation costs if your property cannot be lived in25% of your rebuilding cost or £75,000 whichever is greaterReasonable costs for up to 3 years
Students' belongings while away from home in higher educationUp to £7,500 of Contents covered within the UK, with the option to include Accidental damage coverWorldwide cover included automatically with no total value limit and single item limit of £10,000
Protection against water damageRepair or Replacement of your water damaged belongings up to your total valueRepair or Replacement of your water damaged belongings up to your total value
Money and Card cover for losses by accident, deception or theft£1,000 for Money or £10,000 for Bank cards£5,000 for Money or £25,000 for Bank cards
Public Liability indemnity£5 million as standard, or £10 million available on request£5 million as standard, or £10 million available on request
Family Legal ExpensesUp to £50,000Up to £50,000
Protection for your new purchases£5,000 while carried homeUp to 25% of your Contents value for 60 days
Replacement of locksUp to £1,000 if your keys are lostUp to £2,500 if your keys are lost
Nest removalUp to £2,000 each year to remove nests from your homeUp to £2,000 each year to remove nests from your home

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

Extras

Home building works

We can insure work being carried out on your property including materials on-site that have not yet been used

Treasured Collections

From Antiquies to Stamps to Wine we can include cover for all your special collections

Air BNB

We can include cover for you to let out your home on Air BNB

 

Holiday Home

If you have your main home insured with us we can look to insure your holiday home in the Channel Islands or UK

 

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More on Buildings Insurance

Peace of mind

Our in-house policies protect your buildings, contents and personal belongings against a wide variety of damages, theft and loss.

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

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You’re covered for:

  • Fire, smoke, lightening and explosion damage
  • Storm damage
  • Water and flood damage
  • Lock replacement if your keys are lost or stolen
  • New for old replacements
  • Accidental damage
  • Personal belongings at home and away

Existing Customers

Renewing your policy

We will contact you prior to your renewal date with all the details of your policy cover for the coming year.

Payment options

Payment can be made by monthly direct debit or an upfront annual payment.

Making changes to your policy

Click here to make a change or request.

Cancellation

You can cancel your policy at any time by contacting us.

FAQs

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

Can I add Buildings/Contents onto my existing policy?

We can add buildings or contents cover to your policy at any time please call us on 01534 835383 (JSY) or 01481 710731 (GSY), 9am till 5pm Monday to Friday or contact us online.

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

If you do not have figures to insure follow this link for Building and Contents calculators.

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), 9am till 5pm Monday to Friday

Articles & guides

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

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