Home & Contents

Home and Contents Insurance

Safely insuring your home and cherished possessions can be one of the most vital insurances you ever take out.

Making sure everything is covered and avoiding costly over insurance can be complex. We will help you find the right insurance at a great price.


Give us a call or pop in to talk it through…Get a quote…

Home and Contents Insurance

We provide a huge variety of cover at competitive rates including:

  • Standard houses
  • High value properties
  • Thatched properties
  • Barn conversions
  • Previously flooded properties
  • Underpinned properties

We don’t just take the “Computer Says No” attitude – we can read Ordnance Survey Maps and we know there is a world of difference being 2 metres away from a river vertically rather than horizontally!

Household Buildings and Contents and Landlords Insurances

Pearson Insurance Services can offer wide cover and great prices from a range of insurers for:

  • Household Policies – Buildings, Contents, Personal Possessions, Travel, etc.
  • Commercial Property
  • Residential Lets
  • Unoccupied Property
  • Student Lets
  • Properties being renovated
  • Blocks of Flats
  • Property Management

Higher Risk or “difficult”Household Insurance:

Flood Insurance – Pearson Insurance Services is dedicated to finding insurance solutions for most owners of properties located in those areas at moderate and high risk of flooding, or which have previously been flooded.

If you live in an area deemed to be a high flood risk, or if you have been unlucky enough to have experienced a flood at your property in the past, you will probably have experienced problems getting insurance cover at a reasonable price. That’s where Pearson Insurance Services can help. Even if you have experienced a flood before, the Home & Contents cover we offer can help, in many cases, to make sure that your home is adequately covered in the event of a mishap.

We can look at every circumstance individually. We investigate the background to each case and we are not tied to computer rates or postcode-based exclusions. So, for example, if you live at the top of a hill in a flood-prone district, or if a previously flooded property is now protected by improved defences, the rate offered can reflect this reduced risk. As a result of this case-by-case approach, in most circumstances we can source a fairly and competitively priced policy, and in some cases we can offer a rate where others cannot even quote.

Some of the features of our various household insurance contracts:

  • Cover is available for many properties within flood insurance “risk areas”, including for Listed properties and properties with a history of flooding. Note that quotes are assessed on an individual basis, and we will need to speak to you and ask questions tailored to your own situation. We cannot guarantee to offer a quote in every circumstance, but we do try our best, and have helped many customers in flood-prone areas to insure their properties.
  • 24 Hour claims hotline with counselling support.
  • Domestic Assistance Helpline with advice and contact details for tradesmen.
  • Discounts for alarms and security locks.
  • Discount when you take both Buildings and Contents cover.
  • Easy payment by BACS, debit/credit card or direct debit.

As homes at risk of flooding are, by their nature, a non-standard insurance risk, all our quotes are based on your individual situation and we use various specialist underwriters with high degrees of knowledge in this field.

We will always try our best to source a fair and competitive quote for your circumstances.

Flat Roof Building Insurance – Pearson Insurance Services is able to offer a full range of insurance cover to owners of Flat Roofed properties.
If you live in a property with a flat roof, whether an art deco period property or a contemporary self-build, you will probably have experienced problems obtaining insurance cover at a reasonable price. That’s where we can help with our range of specialist schemes.

Our Home & Contents cover will ensure that your home is adequately covered in the event of a mishap, and at a price you’ll like.

Our Flat Roof Building Insurance cover includes all the features you need and expect from a high quality insurance policy and our rates are very competitive:

  • Full cover for properties with flat roofs, including period and listed properties.
  • 24 Hour claims hotline with counselling support.
  • Domestic Assistance Helpline with advice and contact details for tradesmen.
  • Discounts for alarms and security locks.
  • Discount when you take both Buildings and Contents cover.
  • Easy payment by BACS, debit/credit card or direct debit.

As homes with flat roofs are, by their nature, a non-standard insurance risk, all our quotes are based on your individual situation and we use various specialist underwriters with high degrees of knowledge in this field.

We will always try our best to source a fair and competitive quote for your circumstances.

Listed Building Insurance – Pearson Insurance Services is one of the leading specialist home insurance brokers in the UK and one of only a few offering a full range of insurance cover to owners of Listed properties.

If you live in a Listed property, you will probably have experienced problems obtaining insurance cover at a reasonable price. That’s where we can help with our range of specialist schemes.

Our Listed Building Home Insurance cover includes all the features you need and expect from a high quality insurance policy and our rates are very competitive:

  • Full cover for all listed properties, including grade 1, 2 and 2*.
  • 24 Hour claims hotline with counselling support.
  • Domestic Assistance Helpline with advice and contact details for tradesmen.
  • Discounts for alarms and security locks.
  • Discount when you take Buildings and contents cover together.
  • Easy payment by BACS, debit/credit card or direct debit.

As Listed properties are, by their nature, a non-standard insurance risk, all our quotes are based on your individual situation and we use various specialist underwriters with high degrees of knowledge in this field.

We will always try our best to source a fair and competitive quote for your circumstances.

Subsidence Insurance and Underpinned Property Insurance – Pearson Insurance Services is one of the leading specialist home insurance brokers in the UK and one of only a few offering a full range of insurance cover to owners of properties located in areas at moderate and high risk of subsidence, or those who have already suffered from subsidence and/or have been underpinned.

Even home owners who have never actually suffered from problems of subsidence, may find that they have been categorised as living in a subsidence area for house insurance purposes. We can take a more individual view than most, and offer a premium reflecting the actual level of risk.

If you live in an area deemed to be a subsidence risk, you will probably have experienced problems getting building insurance. Subsidence or threat of subsidence can also lead to increased premiums from certain insurers. That’s where Pearson Insurance Services can help. Our Home & Contents cover will make sure that your home is adequately covered in the event of a mishap, and at a price you’ll like.

Our Subsidence Risk Home Insurance cover includes all the features you need and expect from a high quality insurance policy and our rates are very competitive:

  • Full cover for properties within any subsidence area.
  • For house insurance customers who take both buildings and contents cover, we offer substantial discounts.
  • 24 Hour claims hotline with counselling support.
  • Domestic Assistance Helpline with advice and contact details for tradesmen.
  • Discounts for alarms and security locks.
  • Easy payment by BACS, debit/credit card or direct debit.

 

We will always try our best to source a fair and competitive quote for your circumstances.

We hope these points have helped you to form your opinion of us and our service level. We would love the chance to help you with your next insurance requirement.

Many thanks for your time…we hope to speak with you soon.

Sandra Bev and Phil Sigs - Pearson Insurance Services


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