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Get a Quote: Home Insurance

1Before You Start

2Your Details

3Joint Policyholder Details

4Home Address and Details

5Your Belongings

6Insurance History & Submission

Broker Details
Broker ID*
Broker Email*
Thanks for choosing Islands Insurance! Here’s what to know before filling out this form:

This isn’t an instant quote:
We’ll review your details and get back to you with a quote.

Need insurance in the next 48 hours?
Call us or pop in our office so we can help quickly.

If you’re a landlord, use this form instead.
Does Your Home Meet These Conditions?

Please confirm that your home fits these descriptions:
- It’s in good condition, with no issues like flooding or structural damage.
- It’s made from standard materials like brick or concrete.
- Any flat roof covers less than 25% of the home.
- It’s fully furnished and won’t be empty for more than 60 days.
- Only you and your family live there.
- No single item is worth more than 5% of the total insurance amount, and no collection is worth more than one-third.
- Everyone living in the home has a clean financial and criminal record.
- No one in the home has had insurance refused, cancelled, or restricted with special conditions.
- The property is located in the Channel Islands, and you are a Channel Islands resident.
Tick this box if all these points are true.*
- Yes
- No
Contact us for support

Your Details

Title*

First Name*

Last Name*

Date of Birth*

DD slash MM slash YYYY

Job*

Your Employer's Business

Phone Number*

Email Address*

Marital Status*

Do you need to add a joint policyholder?*

Choose “Yes” to include another person in the policy or “No” to skip.

Yes
No

Joint Policyholder Details

Please provide details of the joint policyholder.

Title*

First Name*

Last Name*

Date of Birth*

DD slash MM slash YYYY

Job*

Their Employer's Business

Home Address and Details
Postcode Lookup
Address to Be Insured*
Full address and postcode.
Postcode*
Island*

Current Insurer (if any)

Current Premium (if any)

When You Want the Cover to Start*

DD slash MM slash YYYY

Your Home
Type of Property*
Ownership Status (Owned, Rented, etc.)*
Select the type of ownership for your property. If unsure, check your tenancy/mortgage agreement.
Are there smokers in the property?*
- Yes
- No
Is the property self-contained?*
A self-contained property has its own kitchen, bathroom, and living areas, separate from shared facilities in a larger building.
- Yes
- No
Are there any outbuildings?*
Select Yes if there are any outbuildings (e.g., shed, garage)
- Yes
- No
Is any part of the property used for work?*
- Yes
- No
Type of Work*
Rooms Used for Work*
Do Clients Visit?*
- Yes
- No
Walls Made of (Brick, Stone, Concrete)*
Select the primary construction material of the walls (e.g., Brick, Stone, Concrete).
Year Built*
Enter the year the property was built.
Number of Bedrooms*
Please enter a number greater than or equal to 1.
Number of Bathrooms*
Please enter a number greater than or equal to 1.
Heating Type*
Select the primary heating source for your property. If unsure, check your energy or utility bills for more information.
Any Open Fires?*
- Yes
- No
Any Flat Roof?*
If the property has a flat roof, provide details on its construction, age, last inspection, and percentage of total roof area.
- Yes
- No
Flat Roof Percentage*
Age of Roof*
Materials Used*
- Aluminium
- Asbestos
- Asphalt
- Concrete
- Copper
- Corrugated Iron
- Ethylene Propylene Diene Monomer (EPDM)
- Felt On Timber
- Fibreglass
- Glass
- Green Roofs
- Lead
- Metal
- Plastic
- Polycarbonate
- Shingle
- Shingle - Asphalt
- Shingle - Pine/Spruce/Cedar
- Slate
- Standard Construction
- Stramit
- Thatch - Fibre
- Thatch - Reed
- Tile
- Timber
- Turnerised
- Woodwork Construction
- Zinc
Last Inspection Date*
DD slash MM slash YYYY
Is Your Home a Listed Building?*
Some homes are officially protected because they might be historic.
- Yes
- No
What type of listed or protected status does your home have?*

If you live in Jersey:
You can check your building’s status here.

Note: If your building is Grade 3 or higher, choose “Protected” from the list.

If you live in Guernsey:
Check if your home is listed here.

Note: If it’s listed, choose “Protected” from the list.

Your Belongings
Total Value of Contents to Be Insured*
Estimate the total value of your belongings within the home (e.g., furniture, electronics). Unsure what to do?
Any items over £2,000 that leave the home?*
If you have valuables (e.g., jewellery, laptops) frequently taken outside the home, list them for extended coverage.
- Yes
- No
Describe Each Item and Value*
Choose Your Voluntary Excess*
Voluntary excess is the extra amount you agree to pay if you make a claim on your contents insurance. It can help lower your premium and is added to the compulsory excess set by your insurer.

For example: If your compulsory excess is £150 and you choose a £100 voluntary excess, you’d pay £250 in total if you make a claim. Choose an amount that fits your budget. We’ll use your choice to calculate your premium and send you a quote after reviewing your details.
- £0
- £50
- £100
- £150
- £200
- £250
- £300
- £350
- £400
- £450
- £500
Value of Your Home
Do You Need Buildings Insurance?*
- Yes
- No
Are you a first-time buyer?*
- Yes
- No
Do You Have a Mortgage?*
- Yes
- No
Who’s your lender or bank?*
Estimated Rebuild Cost of Home*
This is the estimated cost to rebuild your home, not its market value. A professional valuation can provide an accurate figure. Unsure how to calculate this estimate? Refer to our guide
Choose Your Voluntary Excess*
Voluntary excess is the extra amount you agree to pay if you make a claim on your contents insurance. It can help lower your premium and is added to the compulsory excess set by your insurer.

For example: If your compulsory excess is £150 and you choose a £100 voluntary excess, you’d pay £250 in total if you make a claim. Choose an amount that fits your budget. We’ll use your choice to calculate your premium and send you a quote after reviewing your details.
- £0
- £50
- £100
- £150
- £200
- £250
- £300
- £350
- £400
- £450
- £500

Insurance History
No Claims Discount Years (Buildings and/or Contents)*
Claims in the Last 5 Years*
- Yes
- No
Claims History
Description of the claim Actions
There are no Entries.
Maximum number of entries reached.

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Description of the claim*
Write what happened in your claim.
Year of the claim*
Pick the year when the claim was made.
Ongoing/Closed*
Let us know if the claim is still ongoing or if it's been closed.
Settlement Price*
Enter the settlement amount (the amount paid for the claim).
Please enter a number greater than or equal to 0.