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Home Insurance

From only £280 per year

Or 9 monthly payments of £34.22 (total repayable £308)

Enquire Now

Home Insurance

From only £280 per year Or 9 monthly payments of £34.22 (total repayable £308)

Enquire Now

Many popular UK insurers will not cover your house and contents if any type of business is run from your home or its associated land. Here at Cliverton, we have negotiated comprehensive home insurance policies that are specifically designed for people running a business from home.

This product would be suitable for those who wish to cover their domestic property and personal possessions whether or not they run business from their home or its surrounding land.

What’s included
  • Accidental Damage to buildings and contents
  • Worldwide cover for personal effects away from the home
  • Pedal cycles included up to £5,000 in total
  • Domestic Freezer contents unlimited
  • Personal Money & Credit Cards £2,500
  • Legal Liability to the public £5,000,000
  • Legal Expenses
Optional
  • Specified Jewellery & Valuables
  • Accidental Damage to buildings and contents
  • Worldwide cover for personal effects away from the home
  • Pedal cycles included up to £5,000 in total
  • Domestic Freezer contents unlimited
  • Personal Money & Credit Cards £2,500
  • Legal Liability to the public £5,000,000
  • Legal Expenses
  • Specified Jewellery & Valuables

What can be insured?

Buildings (of standard construction i.e. built of brick, stone or concrete and roofed with slates, tiles, asphalt, metal or concrete)
Contents
Gold & silver
Specified jewellery
Valuables, antiques & works of art
Garden furniture
Domestic deep freeze
Pedal cycles
Personal money & credit cards

What risks are covered?

Accidental damage
Fire, lightning, explosions, aircraft, earthquakes, theft, storms, flood, impact & malicious damage
Trace and access costs for finding the source of oil or water leaks
Increased metered water costs for the escape of water following an insured event
Worldwide cover for contents whilst temporarily removed from the home
Accidents to domestic staff
Legal liability to the public
Replacement locks following loss or theft of keys

Main Exclusions:

Wear & tear
Infestation
Existing or deliberate damage
Costs of general maintenance
Loss or damage caused by mechanical or electrical faults or breakdown
Any damage caused by animals in your care and/or business visitors to your home
Any damage caused by your own domestic animals scratching, chewing, tearing or fouling

Excesses:

Buildings & contents – £100 (higher voluntary excesses available)
Subsidence, landslip or heave – £1,000
Accidents to domestic staff – Nil
Legal liability to the public – Nil
Specified valuables, antiques, works of art, gold & silver – Nil

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