Non-Standard Home Insurance Broker
Get the right cover for your home
Have you been told by your current provider that you no longer fit their acceptance criteria?
Our expert team of insurance advisers provide impartial support and advice to homeowners to make sure they get the right level of cover for their needs at a competitive price.
Home Insurance That Doesn't Fit The Box
We have years of experience helping homeowners in Scotland arrange the right cover at the right price. We have access to leading insurers as well as specialist schemes and facilities who can be a bit more flexible than the call centre or online comparison sites.
Type of covers available:
- Buildings
- Contents
- Personal possessions outside of the home
- Collections and collectables
- High value jewellery and watches
- Outbuildings and home offices
We can help homeowners who have:
- A listed building or in a conservation area
- Non-standard construction such as flat roofed, timber or metal framed, pre-fab or no-fines
- Flood risk areas
- Previous subsidence
- Homes undergoing renovation
- Temporarily unoccupied
- Lodgers or Air BnB
- Working from home
- Large sums insured
What do I need to be aware of when buying home insurance?
If you have something about your property or circumstances that makes buying home insurance complicated you will often come up against a brick wall or the computer says no brigade.
A lot of standard home insurance policies are bedroom rated and will give you a blanket building sum insured of £500,000, £1m or even unlimited cover. The same for contents with policies giving you £50,000, £100,000 or unlimited cover again. When you don’t fit the box you will have to come up with some more accurate, bespoke sums insured to fit your needs.
If you don’t know your building rebuild value then you can use the ABI rebuild cost guidance for free at https://abi.bcis.co.uk/. Remember that insurance policies work on the rebuild or reinstatement cost, not the market value.
If you live in a property that is of non-standard construction or listed then information is key. The more detail you can supply then the better options we can gather for you.
If you have something in your home which is proving difficult to insure on a standard policy such as a collection of memorabilia, whiskey, art or jewellery then full descriptions, recent valuations and serial numbers will be required.
Do you operate a business from home and have customers visiting or hold stock at home? Insurers must be advised of this fact or you can risk not having a claim paid due to non-disclosure.
Check the terms, conditions and specific endorsements. Keep an eye on the security requirements, excesses you have agreed to and inner limits for valuables or contents in outbuildings.
Your Trusted Insurance Broker in Falkirk
If you need to claim on your policy we will help and assist you through the process. We are not here just to sell you a policy once a year but to offer support should you need to claim or there is a change to your business.
What Coversure Falkirk can do for you:
- Meet with you to discuss your needs and gather the relative information
- Approach insurers and markets on your behalf
- Recommend the most appropriate option for your needs
- Be available throughout the year, no call or processing centres for you to deal with
- Help you manage the claim process should you be unfortunate enough to suffer a loss
Why use Coversure Falkirk?
We are authorised and regulated by the Financial Conduct Authority to give advice.
We aren’t tied to any one insurance company which means we can approach the market on your behalf and make recommendations to you based on the quotes we get back.
We will explain the covers on offer, limits applicable and any specific clauses and conditions you should be aware of to ensure that you are compliant with the terms and conditions of the policy.
