Access to exclusive Home Insurance deals
– More choice, better protection
Types of Cover
- Buildings Insurance – Covers the structure of your home.
- Contents Insurance – Protects your belongings inside the property.
- Landlord Insurance – Tailored cover for rental properties.
Who Is Home Insurance For?
Home insurance is essential for:
- Homeowners – Protect your property and belongings against fire, theft, or damage.
- Landlords – Safeguard your rental properties with cover tailored for letting.
- Tenants – While landlords insure the building, contents insurance protects your personal possessions.
- Holiday Home Owners – Specialised policies available for second homes and short-term lets.
- High-Value Homes – Cover for unique or higher-value properties that need more than standard insurance.
Not sure what cover you need?
How We Help
We’ll guide you through:
- Comparing cover limits, excesses, and exclusions.
- Adding extras like accidental damage, legal expenses, or home emergency.
- Understanding the difference between standard and specialist policies.
Why Choose Crane Financial?
- Independent advice across multiple UK health insurers
- Help balancing cost, coverage, and access
- Guidance on excesses, exclusions, and hospital networks
- Support throughout the application and beyond
Frequently Asked Questions – Home Insurance
Possibly. Some insurers may increase premiums or change terms after a claim, but that depends on the policy and insurer.
Tip: Ask whether the insurer uses “no claims bonus” protection or allows one claim without penalty.
Yes – most insurers allow you to add “specified items” to your policy. This means declaring them and getting additional cover (often beyond standard limits).
Tip: Get valuations or receipts for expensive items – insurers will often require proof for claims.
Yes – many home insurance policies include cover for floods, storms, subsidence, and even accidental damage. But this depends on the policy you choose.
Tip: Always check your policy schedule to see what perils (fire, flood, water damage) are included or excluded before you commit.
Not always – many insurers offer it as an add-on. We’ll explain your options.
Yes – we can help landlords or holiday home owners get the right cover.
Buildings insurance covers the structure of your home – walls, roof, floors, permanent fixtures.
Contents insurance protects your personal property inside the home – furniture, electronics, clothing, etc.
Tip: If you rent, you generally only need contents cover (unless you own the structure).
If you own your home, yes – most policies combine them. Renters only need contents cover.