House insurance, Insurance Broker Raunds

House insurance is provided by Bowerock who offer a range of different household insurance policies to suit all needs, with a large number of different insurance companies. We aim to combine very competitive premiums with a very high level of service. We will be very pleased to try and beat any alternative quotations that you have from an alternative insurance company.

When taking out buildings insurance you should be covering them for the "reinstatement" or "rebuilding costs". If you do not know what these are then we can provide a calculation using the ABI's (Association of British Insurers') prescribed method. We recommend that all our clients include accidental damage in their building insurance, although we will give you a quote without if you would like to compare the premiums.

Where house insurance for contents is concerned some companies have a minimum sum assured, e.g. £35000 or £40000. Others will allow you to select a lower level to suit your needs. For the items that you take outside the home we can include personal possessions cover in your quotation. We can also include cover for specific valuable items both inside the home and outside, if appropriate.

Some insurers offer policies with other options such as garden cover, bicycle cover, and legal expenses cover.

Here are some of the insurance companies that we use on a regular basis:

• NIG
  
• Zurich
  
• AXA
  
• Provident
  
• Norwich Union
  
• Folgate
  
• Zenith
  
• KGM
  
• Allianz Cornhill
  
• MMA
  
• Groupama
  
• Fortis
  
• Chaucer
  
• Ansvar
  
• Methodist
  
• Ecclesiastical

… and we have access to many other specialist insurance companies.

We have one insurance company that offers very competitive premiums with extra discounts for non-smokers, non-drinkers and people who are involved with charities or churches. This company also adheres to a strict ethical policy so is ideal for customers who are looking to insure with an ethical company.

As well as standard house insurance we also offer:

• Homeworker policies for people that work at home (who would normally not be fully covered under the terms of a standard house insurance policy).
• Landlords policies for properties that are rented out to tenants.
• Student contents policies.
• Contents policies for elderly people in sheltered accommodation.

A lot of the insurers that we deal with for house insurance offer no claims discounts as well as discounts if you meet certain security criteria. We also have discounted policies designed for customers aged 50 and over and policies specifically designed for clients with very high value household contents or unusual and high value buildings.

In the event of a claim we will guide you through the process. This does not usually involve completing a claim form any more, as most insurance companies now operate a telephone claim reporting and service line. However, sometimes, insurance companies do not deal with claims as efficiently or as fairly as you feel they ought to. Because we are independent and act for you we are here to intervene if you feel your claim is not being dealt with to your satisfaction.

Bowerock, will cater for all the protection you require, whether contents, buildings or both, you will have suitable cover with our policies on house insurance.

We provide insurance for these areas:
Wellingborough Rushden Higham Ferrers Irthlingborough Corby Northampton
UK - United Kingdom - England - Bedford