Household Insurance

With household insurance from Graham Sykes, we'll find you the right policy for the appropriate risk at a competitive premium.

Building and Contents Insurance

Buildings and Contents Insurance is one of the most important forms of insurance purchased. For example, mortgage lenders insist on the buildings being covered before granting a mortgage.

Most people have a need to buy Household Insurance at some time.

As insurance providers have different prices, benefits and cover limits, the amounts of cover available will not be always be the same. To ensure that the policy you select provides the cover you require, you should always make comparisons.

As Independent Intermediaries conforming to the FCA code of practice you can rest assured that we at Graham Sykes Insurance will endeavour to provide the right policy for the appropriate risk at a competitive premium.

Keeping your home safe

Household insurance is a crucial safeguard for homeowners and tenants in the UK, offering protection and peace of mind against various risks and unforeseen events. Here are several compelling reasons why household insurance is essential.

Firstly, household insurance provides financial protection against damage or loss due to natural disasters, such as floods, storms, and fires. Given the UK's variable climate, these risks are significant. Without insurance, the cost of repairs or rebuilding can be overwhelming, potentially leading to financial hardship. Household insurance covers these expenses, ensuring that homeowners can recover and restore their properties without facing crippling costs.

Secondly, household insurance protects against theft and vandalism. Burglary rates, while fluctuating, remain a concern for many UK residents. Household insurance covers the loss of personal belongings and damage caused during a break-in. This protection extends to valuable items like electronics, jewellery, and furniture, which can be expensive to replace out of pocket.

Additionally, household insurance includes liability cover, which is crucial if someone is injured on your property. This aspect of the policy can cover legal costs and compensation claims, providing financial protection in potentially costly legal situations. For example, if a visitor slips and falls on your property, liability cover ensures that you are not personally liable for medical expenses or legal fees.

Moreover, for tenants, household insurance, specifically contents insurance, is vital as it covers personal possessions within a rented property. Landlords typically have building insurance, but this does not extend to tenants' belongings. Contents insurance fills this gap, protecting tenants against loss or damage to their possessions.

Household insurance also offers peace of mind. Knowing that you are protected against a wide range of risks allows you to live with less worry about potential financial burdens arising from unexpected events. This assurance is invaluable, particularly in times of crisis or emergency.

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Graham Sykes Ltd is Authorised and Regulated by the Financial Conduct Authority,
Firm Reference Number 300310.