Insurance / Home
Home Insurance
Protecting your property and everything inside it. We compare policies across the market to find cover that reflects the true value of your home and belongings.
Coverage
What's typically covered
Buildings cover
Protects the structure of your home — walls, roof, floors, and permanent fixtures — against risks such as fire, flooding, subsidence, and storm damage. Typically required by mortgage lenders.
Contents cover
Covers your possessions inside the property, including furniture, electronics, clothing, and jewellery, against theft, accidental damage, and certain perils. Cover can often be extended to include items taken outside the home.
Combined policies
Buildings and contents cover bundled into a single policy. Often more cost-effective than purchasing separately, and simplifies the claims process by having one point of contact for all home-related claims.
Additional extras
Many policies allow you to add optional extras such as accidental damage, home emergency cover, legal expenses, and personal possessions cover for items away from the home. A broker can help you identify which add-ons offer genuine value.
Broker advantage
Why compare through a broker?
Price comparison websites give you a list of prices, but they cannot advise you on whether a policy actually meets your needs. Exclusions, sub-limits, and claim conditions vary significantly between providers.
At Prime Key Financial, we take the time to understand your property — its age, construction, location, and any non-standard features — so that the cover we recommend is appropriate, not just affordable. This matters most at claim time, when gaps in cover can be costly.
We also review your policy at renewal to ensure your cover remains competitive and adequate as your circumstances change.
Get Started
Ready to get covered?
Speak to one of our advisers — no obligation, no jargon.