Home & Contents Insurance

The award-winning, inclusive insurance provider

GET A QUOTE

INSURANCE THAT COVERS YOU
FROM TOP TO BOTTOM

  • Laptop

    PERSONAL
    POSSESSIONS COVER

  • House

    BUILDINGS
    COVER

  • Shield

    ACCIDENTAL
    DAMAGE COVER

  • People

    DISCRIMINATION
    COVER

Quote icon

In our day-to-day lives, Steve and I tend to forget that we are a same sex couple with
children, but obviously this is still a surprise for some people.

Adam Robinson, Garden Designer

UNIQUE INSURANCE
TAILORED FOR YOU

THE EMERALD DIFFERENCE


  • Cover for malicious damage including hate crime
  • Optional legal expenses cover if you suffer discrimination
  • Call centre and claims handling staff specially trained in diversity
  • Memorabilia collections covered

PROTECTING YOU


  • Up to £1,500,000 buildings cover
  • Up to £150,000 contents cover
  • Can include accidental damage cover
  • Digital assets covered up to £5k

CHOOSE FROM 3 LEVELS OF COVER

Core


Contents Cover

Up to £50,000

Building Cover

Up to £500,000

Optional legal expenses including discrimination Info icon

Up to £50,000

Optional accidental damage cover Info icon

Comprehensive protection against floods, fires and storms

£100,000 accommodation cover up to 12 months while your house is repaired

Optional accidental damage cover including damage by pets

£2,000 coverage for loss of digital assets, including music and films

Memorabilia and collections covered as standard

Automatic increase in contents cover during holidays

Additional coverage for bicycles, up to a value of £1,250

£500 of cover for theft from your garden

Up to £10,000 for tenant liability within your policy

More expensive items can be added to your cover individually – up to a value of £10,000 per item

More

Core+


Contents Cover

Up to £75,000

Building Cover

Up to £500,000

Optional legal expenses including discrimination Info icon

Up to £50,000

Optional accidental damage cover Info icon

Comprehensive protection against floods, fires and storms

£100,000 accommodation cover up to 12 months while your house is repaired

Optional accidental damage cover including damage by pets

£2,000 coverage for loss of digital assets, including music and films

Memorabilia and collections covered as standard

Automatic increase in contents cover during holidays

Additional coverage for bicycles, up to a value of £1,250

£500 of cover for theft from your garden

Up to £15,000 for tenant liability within your policy

More expensive items can be added to your cover individually – up to a value of £10,000 per item

More

Premier


Contents Cover

Up to £150,000

Building Cover

Up to £1,500,000

Optional legal expenses including discrimination Info icon

Up to £50,000

Optional accidental damage cover Info icon

Comprehensive protection against floods, fires and storms

Accommodation cover up to 24 months while your house is repaired

Optional accidental damage cover including damage by pets

£5,000 coverage for loss of digital assets, including music and films

Memorabilia and collections covered as standard

Automatic increase in contents cover during holidays

Additional coverage for bicycles, up to a value of £1,250

Up to £5,000 of cover for theft from your garden

Up to a value of 20% of the total sum insured for tenant liability within your policy

More expensive items can be added to your cover individually – up to a value of £10,000 per item

More

FULL DETAILS

Policies Purchased AFTER 1st March 2017

Download icon

POLICY SUMMARY

After 01/03/17 

Download

(File size 180Kb PDF)

Download icon

KEY BENEFITS

After 01/03/17 

Download

(File size 155Kb PDF)

Download icon

POLICY WORDING

After 01/03/17 

Download

(File size 781Kb PDF)

Policies Purchased BEFORE 1st March 2017

Download icon

POLICY SUMMARY

01/03/16 - 28/02/17

Download

(File size 172Kb PDF)

Download icon

KEY BENEFITS

01/03/16 - 28/02/17

Download

(File size 155Kb PDF)

Download icon

POLICY WORDING

01/03/16 - 28/02/17

Download

(File size 766Kb PDF)

FREQUENTLY ASKED QUESTIONS

+- What is home and contents insurance?

There are usually two things that you might want to protect – the structure of your building, and the things that you own inside it. Although separately these are often known as a buildings policy and a contents policy, when taken together they are usually known as home insurance.

A building insurance policy is one that protects you against damage to the fabric of your property – such as the roof or the walls.

So if your property is damaged by flooding or a burst pipe or by third party actions, for example, your insurance will cover the cost of repairs and also pay for you to stay somewhere else, if required, while your home is being returned to its former immaculate condition.

Your Emerald building insurance also provides cover to protect you against those everyday disasters such as losing your keys and requiring a locksmith to change the locks.

If you live in a flat, where there are other flats in the building, or you rent your home, then it is more usual for the buildings insurance to be taken out by the owner of the while building (sometimes, the freeholder), as the owner has the obligation to protect the building itself. However, the costs of that insurance will usually be passed through to the owners of the flats as part of the service charge.

Contents insurance is a policy that covers the belongings and possessions in your home from damage or loss.

+- What level of home and contents insurance do I need?

Your building cover should be set at an amount that would technically be required to rebuild your home in the event it was destroyed. You must determine what this amount should be, as we are not able to give you a recommendation. You may be able to find a rebuild value from your mortgage provider, or there is a calculator that you can use from the Association of British Insurers (http://abi.bcis.co.uk).

The level of your contents insurance will depend on the value of your possessions and what it would cost to replace them all in total. Please remember that this is not just valuables and portable items, but would also include beds, bed linen, clothing (not just the designer stuff), tables, chairs, sofas, kitchenware and kitchen equipment etc. We would recommend that you list your contents and then estimate a replacement cost, and it is this total that should be the amount of cover that you need. Many people materially underestimate the level of contents required, and if you buy a level of contents cover that is materially less than the actual value of contents, then we may not pay out the full amount of a claim.

+- Can I take out contents insurance rather than home and contents insurance?

Yes you can, if you need just contents cover. If you live in a flat in a larger building, or rent your home from a landlord, you only need contents insurance as building insurance is provided by the company who manages the property.

If you own your home and you also need to take out buildings insurance in order to protect the fabric of the building, then there are advantages in buying buildings and contents together, particularly when you need to make a claim as then there is only one insurer that you will need to deal with.

+- What questions will I be asked when I call to register my claim?

This depends on the sort of claim you're making. When you call to make your claim, one of our team will be able to tell you what supporting documents you need – but it's a good idea to keep as much paperwork as you can, and even keep a list of things you own or are travelling with (in the case of travel or contents insurance), with costs and paperwork where possible.

Any claims for loss or theft of your belongings need to be supported by proof of ownership, and you'll also need to proof the value of the items. Thefts should be reported to the local police as soon as possible.

EMERALD SUPPORTS
Screen Shot 2017-05-31 at 10.04.15
Stonewall
Human Dignity Trust
Diversity Role Models
The Albert Kennedy Trust