Benefits included as standard*
Our in-house buildings insurance policies include a great range of benefits as standard.
We include Accidental Damage cover for your Buildings as standard.
If you have a water leak we will cover you up to £10,000 to find the where is it coming from and make good afterwards.
Get up to a 25% discount on your policy with a No Claims discount of 3 years or more.
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.
An experienced market-leading team, delivering specialist advice and expertise for over 40 years.
Pop into our office, speak to us on the phone, send an email, or browse through our website.
We have bespoke Channel Island products designed and rated with this in mind that can be individually tailored for your needs.
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.
Friendly, experienced local claims team giving guidance and help when it matters most.
Available if you have more than one policy with us.
Levels of cover
Find out what’s included in each of our policies.
| Features in our Levels of Cover | Premier |
| Basis of cover | Repair and Replacement up to your full rebuild cost, including accidental damage cover |
| Finding and fixing water leaks | Up to £10,000 to locate the leak and make good any damage |
| Rent and accommodation costs if your building cannot be lived in | 25% of your rebuilding cost or £75,000 whichever is greater |
| Replacement of locks | Up to £1,000 if your keys are lost |
| Nest removal | Up to £2,000 each year to remove nests from your home |
| Public Liability indemnity | £5 million as standard, or £10 million available on request |
| Family Legal Expenses | Up to £50,000 |
| Employers liability for domestic staff | Up to £10,000,000 |
*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
Air BNB
We can include cover for you to let your building out on Air BNB
Flexible contents cover
We know that contents help to make a house a home. Add contents to your policy and cover your treasured possessions
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
*applies to most policies, subject to terms and conditions.
Peace of mind
Our in-house policies cover your home or building against a wide variety of damages and cover the cost of repairing or replacing your building.
*applies to most policies, subject to terms and conditions.
You’re covered for:
- Fire, smoke, lightening and explosion damage
- Storm damage
- Water and flood damage
- Theft, attempted theft and vandalism
- Subsidence
- Accidental damage
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.
FAQs
Have a question about our buildings insurance policies?
We may have the answer already. See answers to our most frequently asked questions below.
Do I have to tell you about any improvements I am making to my property?
Yes, if you’re planning an extension, conversion, structural work, or major alterations, you must let us know in advance.
This helps ensure your insurer has full details and your cover remains valid if you need to make a claim. If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
Can I add Buildings/Contents onto my existing policy?
Yes, you can add Buildings or Contents cover to your policy at any time. If you need help, visit https://www.islands.insure/contact-us/ to get in touch.
Articles & guides
Keep your building, contents and occupants safe with our handy home guides.
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