FCA Authorised & Regulated

FCA Authorised & Regulated

Specialist Cover Quoted within 24 hours

Specialist Cover Quoted within 24 hours

Dedicated UK Insurance Specialists

Dedicated UK Insurance Specialists

50,000 + Active Policyholders

50,000 + Active Policyholders

Why Choose Us For Your Insurance?

Why Do You Need Household Insurance?

The reality is that you never know when disaster will strike. When it does, you should be able to rely on certain features to fix your home and return it to its former glory. These include everything from the money to pay for repairs to sourcing the perfect contractors for the job. With Livingstones Insurance, we understand what it takes to protect your pride and joy.

Safeguard against compensation
People are happy to sue for the smallest incidents nowadays. Don’t let an accident ruin your financially
Cover damage
Tradespeople aren’t cheap, which is why an insurer is necessary to pick up the tab
Peace of mind
Don’t lay awake at night wondering what might be. Use household insurance to ensure you rest easy
Reputation
Some companies have bad reputations, and they want to avoid them like the plague
Limits
If you can afford it, pay for more so that the money limits you can rely on are more extensive

What Do You Need to Know About Household Insurance?

If you have any questions concerning household insurance, you can find the answers to the main queries underneath.
It depends on how much you can afford, but it’s better to have more coverage in case the worst-case scenario occurs.
If you’re a homeowner, the answer is yes. Not only can’t you predict the future, but lenders and banks might insist on seeing evidence of your policy before signing off on a loan or mortgage.
Yes, if you’re not the only person living at the property. A joint policy means anyone named on it can make a claim for things that happen to them.
You don’t have to unless it’s specified in your contract with your lender. The best thing to do is to shop around for great deals before signing on the dotted line.
In general, contents mean anything you can take with you to another house. Imagine if you could pick your home up and shake it. Whatever falls out are your contents.

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