Home Insurance specific to your needs
Whether you need just the basic cover, have a property of non-standard construction, or are looking for a comprehensive policy offering the widest cover possible, we’ll work hard to find the best policies for you. This includes an exclusive, competitive household schemes not available through comparison sites or any other broker.
Properties we cover may include those within recognised flood risk areas, ‘difficult’ postcode areas, listed properties and those of unusual construction.
In addition, £5,000 cover for motor components, tools and accessories kept within your home may also be included in your policy as standard.
Please call us on 01376 574000 for further information.
Home Insurance from Peter Best Insurance
Our dedicated household team will help you find the best cover for your home. We have exclusive household schemes and offer very competitive premiums to our customers.
Go online for a quote or contact us today and our expert team will be happy to help. We also provide cover for:
Properties within recognised flood risk areas*
Properties in difficult postcode areas*
Listed properties and those of an unusual construction*
Properties in subsidence areas (May be subject to a surveyors report)*
Properties with a history of claims*
*Subject to insurer’s approval.
Special Home Insurance Features
Peter Best Home insure may include some special features including:
Accidental damage upgrades £5000 cover for motor components, tools and accessories kept within the home.
Home Emergency Assistance to provide assistance in an emergency should your domestic boiler break down, or a water pipe bursts.
Cover for holiday homes.
Legal Expenses.
As home insurance brokers, we're ready to discuss all of your requirements. Please get in touch and we'll do our best to find you the best Home Insurance for your needs.
Peter Best Home Insurance FAQs
Home insurance typically covers the structure of the property and may include contents inside, depending on the policy. Protection can apply to risks such as fire, storm damage, escape of water and theft. Policies are often split into buildings and contents cover, which can be arranged separately or together. Peter Best Insurance Services can arrange home insurance that reflects both the property and how it is lived in.
Buildings insurance covers the structure of the home, including walls, roof and permanent fixtures, while contents insurance covers personal belongings such as furniture, electronics and clothing. Both types of cover protect against different risks and are often combined. Understanding the difference helps ensure the right protection is in place.
Home insurance is not a legal requirement in the UK, but buildings insurance is often required by mortgage lenders as a condition of the loan. Even where it is not mandatory, insurance helps protect against potentially significant financial loss if the property is damaged or contents are lost.
Premiums are influenced by factors such as the property’s location, construction type, rebuild cost and security features. Insurers may also consider claims history and whether the property is occupied regularly. Each application is assessed individually to determine the level of risk.
Accidental damage cover may be included or offered as an optional extra, depending on the policy. This can protect against unexpected incidents such as spills or breakages within the home. The scope of cover varies, so it is important to check what is included in the policy wording.
Home insurance policies usually include protection against theft, although conditions may apply. Insurers often require certain security measures, such as locks or alarms, for cover to be valid. The level of protection depends on the policy and the circumstances of the claim.
Legal expenses cover may be included with some home insurance policies or offered as an additional feature. This can help with certain legal costs linked to property disputes or other covered situations. Peter Best Insurance Services can arrange home insurance that includes legal expenses protection where required.
High-value properties or contents can usually be insured, although they may require a more tailored policy. Standard cover limits may not be sufficient for valuable items or larger properties. Peter Best Insurance Services can help arrange cover that reflects higher-value homes and contents where standard policies may not be suitable.
If an incident occurs, it should be reported to the insurer as soon as possible. Details such as the cause of damage, affected areas and any supporting evidence will usually be required. Early notification helps ensure the claim can be processed efficiently.
Home insurance is important for protecting both the structure of a property and the belongings inside against unexpected events. The right policy should reflect the property, its contents and how it is used. Peter Best Insurance Services can arrange cover that aligns with individual household requirements.
