Home Insurance

Providing the best insurance policy to individuals


Home Insurance

Where there is a home, there is a story to protect

Your home is more than just four walls; it’s a refuge, a personal space, a treasure. At Insure Smart, we care about protecting what you value most. Our home insurance policies are designed to meet the needs of homeowners and renters, offering peace of mind and comprehensive protection for your most precious space.

Why You Need Home Insurance?

Material damage

If your home or belongings suffer damage due to weather conditions, water leaks, or vandalism, your home insurance policy will cover the repair or replacement costs.

Bills

Home Insurance covers all unexpected expenses after a disaster: firefighting, cleanup, demolition, temporary accommodation if your home has become uninhabitable, and security personnel to prevent further damage.

Civil Liability

The liability coverage in Home insurance is designed to protect you against unexpected situations that may affect third parties. This coverage gives you the peace of mind.
Home Insurance Broker in UK

Why Insure Smart for Home Insurance?

Comprehensive Protection

We offer coverage ranging from property damage to civil liability for visitors and third parties.

Flexibility in Coverage

Not all homes and families are the same. We adapt to your specific needs.

Total Transparency

No hidden fees, no unexpected commitments. Know what you're investing in from start.

Expert Home Insurance Broker in the UK

At Insure Smart, we understand that your home is a priceless space filled with memories and treasured possessions. Our home insurance policies offer a wide range of benefits designed to provide peace of mind and protection in every corner of your home.

The Best Coverage for Your Home

Home insurance covers various incidents that may occur in our homes. Here are some of the different coverages that home insurance contains.

  • Coverage for repair or breakage of household appliances: One of the most frequently asked questions by homeowners is whether their policy covers the repair or breakdown of household appliances. The insurance will cover repairs or coverage in the event of a power surge.
  • Electronic device coverage for broken screens: A broken screen on a cell phone, TV, tablet, or other similar device is not covered by home insurance. It is possible to purchase insurance, such as liability insurance, that covers the breakage of a third party’s cell phone if the insured party is at fault.
  • Coverage for lock changes: If we’ve lost or had our home keys stolen, some home insurance policies cover emergency locksmith assistance to replace the lock.
  • Pet coverage: It’s not a well-known insurance policy, but there are some insurance policies, such as pet liability insurance, that will cover the safety of our pets.
  • Water or fire damage coverage: One of the most common home incidents is burst pipes, water leaks, or various other damages that can be caused by water or fire. In the latter case, the incident may be caused by a mistake in the kitchen, a short circuit, or a similar event. Our home insurance policies usually cover these types of damage.
  • Coverage for glass breakage: In homes, one of the most common accidents is broken glass or window panes. Home insurance covers these minor domestic incidents.

How to Get Started?

Diagnosis & Configuration

We listen to your needs and assess the characteristics and risks of your home. Select the coverage that best suits you, advised by our experts.

Detailed Budget

We offer you a transparent and detailed quote so you can make an informed decision.

Effective Management

We streamline all procedures so you can have your insurance in the shortest possible time. Additionally, our commitment to you continues long after you sign your policy. We're here for any questions or future requests.
Contact with us
Insure Smart - Your Trusted Partner in Home Insurance. Protecting your home, securing your peace of mind.

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342 High Street, Kirkcaldy, KY1 1LD

    Home Insurance FAQ

    If you own a property, having insurance in place is essential. If you rent your home, it’s advisable to have contents cover for your possessions.

    No, but it might be a condition of your mortgage agreement.

    The cost depends on factors such as the rebuild cost of your property, its location, age, proximity to water, or whether it’s on a flood plain. To determine the necessary coverage and create a suitable package, contact our experts at 01592 649786.

    Typically, home insurance does not cover wet rot, dry rot, frost damage, gradual damage, wear and tear, storm-damaged fences, gates, or hedges, and claims arising from poor workmanship, faulty design, or botched repairs.

    Yes, you can include add-ons such as legal cover for disputes, coverage for personal possessions away from home, and accidental damage.

    Obtaining a quote is simple, contact with our experts to request a call back for your home insurance quote today.

    It’s a bit complex, but generally, you should opt for property insurance instead of home insurance. Call Us Now for more information on property insurance.

    It depends upon the factors such as the rebuild cost, location, property age, it it near the coastal areas, etc. We recommend you to contact our experts on 01592 649786 so they can advise you as to what you need and find a best cover for you.