protecting your home & your peace of mind

Home Insurance

Providing comprehensive coverage for both your home and the personal belongings inside it.

Your home is your haven, we understand the significance of safeguarding it from the unexpected. We offer comprehensive household buildings and contents insurance that provides you with the security and reassurance you deserve. With years of experience in the industry, we’ve tailored our policies to meet the unique needs of homeowners like you, ensuring that your most valuable assets are protected.

Why Choose RS Insurance Brokers?

  • Complete Protection for Your Home: Our insurers offer multiple products that cover the physical structure of your property, including walls, roof, floors, and permanent fixtures. You can rest easy, knowing that your home is safeguarded against a range of risks, including fire, flood, theft, vandalism, and more.

  • Comprehensive Contents Coverage: We also offer contents insurance products to protect your valuable possessions inside your home, such as furniture, electronics, appliances, clothing, and personal belongings. In the event of theft, damage, or loss, your cherished items will be covered.

  • Personalized Coverage Options: We understand that every home is unique. That’s why we offer customizable coverage options, allowing you to tailor your policy to match your specific requirements. Whether you’re a homeowner, tenant, or landlord, we have the right insurance plan for you.

  • Emergency Assistance: Our insurers offer round-the-clock to assist you with any emergencies or claims. No matter the time or day, we are here to support you when you need us the most.

  • Alternative Accommodation Cover: In case your home becomes uninhabitable due to an insured event, many of our products provide cover for your temporary accommodation expenses while repairs are underway.

Our primary goal is to make the process of obtaining Home Insurance as smooth and efficient as possible for you. Here’s how we can assist you in securing the right coverage:

  • Access to Multiple Insurers: As an independent broker, we have access to a wide network of reputable insurers. we can shop around on your behalf, comparing different policies to find the best coverage at competitive prices.

  • Explaining Coverage: We’ll provide clear and comprehensive explanations of the coverage offered by different policies. This way, you’ll have a thorough understanding of what is included in your insurance and what it protects against..

  • Ongoing Support: We are here to provide ongoing support throughout the policy term. Whether you have questions, need to make changes to your coverage, or want to explore additional insurance options, we’ll be available to assist you.

  • Saving You Time and Effort: We take on the task of researching, comparing, and negotiating insurance policies on your behalf, saving you valuable time and effort while ensuring you get the best possible coverage.

We can help you assess your specific needs, find suitable policies from a range of insurers, and tailor your home buildings and contents insurance to match your requirements and budget. It’s essential to carefully review the policy terms, coverage limits, and exclusions to ensure you have adequate protection for your home and belongings.

These are the main components that make up a comprehensive home insurance policy:

Buildings Insurance:

  • Coverage for the Structure: Buildings insurance protects the physical structure of your property, including the walls, roof, floors, windows, and permanent fixtures.
  • Events Covered: It typically provides coverage against various risks, such as fire, flood, storm damage, subsidence, vandalism, and burst pipes.
  • Rebuilding Costs: The policy will cover the cost of repairing or rebuilding your home if it is damaged or destroyed due to a covered event.
  • Alternative Accommodation: If your home becomes uninhabitable due to an insured event, this insurance will cover the cost of temporary accommodation while your property is being repaired or rebuilt.
  • Liability Cover: Some policies may include liability coverage, protecting you if someone is injured on your property and you’re held legally responsible.


Contents Insurance:

  • Coverage for Belongings: Contents insurance covers the personal belongings and possessions inside your home, including furniture, electronics, appliances, clothing, jewelery, and other valuable items.
  • Events Covered: It provides protection against risks like theft, accidental damage, and loss due to covered events such as fire, flood, or burglary.
  • New-for-Old Replacement: In case of damage or loss, contents insurance typically offers a new-for-old replacement, meaning you will receive a new item of the same or similar quality to the one that was damaged or lost.
  • Coverage Limits: Policies may have individual item limits and overall coverage limits, so it’s essential to review and adjust the limits based on the value of your possessions.
  • Optional Add-Ons: Some policies offer optional add-ons, such as coverage for personal possessions outside the home, accidental damage cover for contents, and more.


Combined Buildings and Contents Insurance:

  • Comprehensive Coverage: This option combines buildings and contents insurance into a single policy, providing a holistic and integrated coverage for both your property and belongings.
  • Convenience and Cost Savings: Combining both types of insurance in one policy streamlines the insurance process and often results in cost savings compared to purchasing separate policies.


Optional Add-Ons:

  • Accidental Damage Cover: Extends coverage to include accidental damage to your home’s structure or contents, providing extra peace of mind.
  • Personal Possessions Cover: Protects valuable items you frequently take outside your home, such as smartphones, laptops, and jewelry.
  • Home Emergency Assistance: Offers cover for unexpected home emergencies like boiler breakdowns, plumbing issues, and electrical failures.

Simply get in touch – Feel free to email or call and one of our personal lines team will be on hand to assist.

Alternatively you can complete the contact form (with our contact information below). Here you can specify your requirements, a preferred time & contact type – we will receive this in the office and one our advisors will be in touch as requested.

meet our panel

A selection of the insurers available to us, allowing us to offer expert independent advice to meet your insurance needs. 

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0115 931 2800

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