Buildings Insurance That Fits Your Home
Your home is more than four walls. It’s where you live your life. In the Channel Islands, homes have extra challenges, such as:
- Strong winds and storms
- Older stone walls and unusual layouts
- Flat roofs and salty sea air
- Rising rebuild and repair costs
We help you find buildings insurance that fits your home, your lifestyle and your budget.
Who this suits
Buildings insurance is important if you:
Have a mortgage, most lenders insist on buildings cover
Own an older, unusual or “non-standard” property
Have a flat roof or non-traditional construction
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If you own your home, buildings insurance isn’t a “nice to have” – it’s essential.
What your policy can include
We work with several insurers and shape the cover around your home. Exact limits and details depend on the insurer, and we’ll explain these clearly.
Core protection may include
Included on most buildings policies, details depend on the insurer:
Fire, storm, flood or subsidence
Damage to your home caused by insured events such as fire, severe weather, flooding or subsidence.
Escape of water
Damage caused by water leaking from burst pipes or plumbing.
Accidental damage (buildings)
Cover for accidental damage to walls, ceilings, fitted kitchens, bathrooms and built-in units. Some policies include this as standard. Others offer it as an optional extra.
Outbuildings and fixed garden structures
Cover for outbuildings, garages and fixed garden structures (such as sheds, greenhouses and decking), usually subject to standard limits.
Alternative accommodation
Help with temporary accommodation if your home is uninhabitable after an insured event.
Locks and keys
Replacement of locks and keys after loss or theft.
Property owner’s liability
Cover if someone is injured on your property, or their property is damaged, and you’re held legally responsible.
Optional extras
We’ll help you decide what’s worth paying for.
Trace and access
Cover for locating and exposing the source of a water leak, where included by the insurer.
Home emergency helpline
Access to emergency assistance for urgent issues such as burst pipes or boilers (service limits apply).
Legal expenses cover
Support with certain legal costs for covered disputes.
Solar panels and smart home technology
Cover for solar panels and connected home systems, where included.
Non-standard, listed or heritage homes
Some properties need specialist insurer approval due to age, construction or heritage features. If this applies to your home, we’ll guide you through what information is needed.
How it works
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Step 1 of 4
You tell us about your home Tell us the type, age and construction of your home.
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Step 2 of 4
We compare insurers We compare quotes from our panel of insurers and identify policies that match your home and needs.
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Step 3 of 4
We arrange your policy We set up your cover and handle the paperwork for you.
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Step 4 of 4
We stay with you We’re here at renewal and if you ever need to make a claim or change something.
Cover always depends on insurer acceptance (underwriting). Terms and exclusions will apply.
Why Use a Broker for Buildings Insurance?
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We work for you, not for insurers.
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We’re local. We understand Channel Islands homes and risks.
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We help with non-standard properties and insurer requirements.
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You get real people in Jersey, Guernsey and Alderney when you need support.