"Knowing our home is now protected correctly is very reassuring."
Home Insurance
House and Contents Insurance
Home insurance will never replace your home, and money will never replace many of your treasured possessions. However, we will ensure that the cover you receive will certainly help restore a roof over your head and replace the things money can buy enabling you to move on to the more important task of making it a home again.
Home Building and Contents Insurance
Thank you for considering choosing Primo to broker your home insurance. Protecting, what is essentially your most significant financial asset is one thing, but understanding that it is your home first and foremost is something our brokers make their priority.
We have a carefully selected panel of insurers who offer excellent cover but may vary with their cover options which is where our broker's expertise comes in; they will match you up with the most suitable policy available.
Policy
Your broker will take the time to dicuss your needs in full before approaching insurers to find the most suitable policy. Once a policy has been selected and the premium agreed your broker will always make time should you wish to discuss or ask any questions.
Making a Claim
If you feel you need to make a claim your first contact should be made directly with your home insurance provider, should you need further assistance your broker will be happy to provide advice.
Availble Cover
Most cover is pretty standard but there are some options which may vary between various insurers. Our brokers will endeavour to match your needs with the best package the insurers have to offer.
Covers
Click a listed cover for more information. Different insurers may offer different packages and options. Speak to your broker to find out the best options for you.

Your Broker

Straightforward

Protected
Frequently Asked Questions
- Should I insure my building’s structure for the market value or rebuilding cost?
- How can I work out the rebuilding cost of my home?
- Do I need to tell my insurer if I have major building work done, such as an extension?
- Will insurance cover damage that is caused when things wear out?
- If I need to make a claim who should I contact?
Should I insure my building’s structure for the market value or rebuilding cost?
When seeking home insurance you should always use the cost of rebuilding your home as opposed to the market value.
The market value of a property includes the land and therefore you would be paying a higher premium than you need to.
Some policies offer home insurance cover based on an overall limit on rebuilding a property. For example they may set a fixed limit of £400,000 and as long as the amount they set is confidently enough to rebuild your home, clear the site and pay professional fees there is no need to work out an exact cost.
How can I work out the rebuilding cost of my home?
You could either employ the services of a qualified surveyor or you can go to the ABI website where they have a handy calculator (http://abi.bcis.co.uk)
The calculator may not be suitable if your home is not of a standard build and/or has specialist features.
Do I need to tell my insurer if I have major building work done, such as an extension?
Always notify your insurer before having work carried out on your property. It is also important to let your insurer know if the work carried out that could increase risk of damage to your property.
This is especially true if you are having an extension built, if it is being significantly refurbished or will be empty for a prolonged period.
Will insurance cover damage that is caused when things wear out?
Your home insurance will not cover your home and belongings for standard wear and tear. Keeping on top of maintenance etc. is not something insurance is designed to replace.If I need to make a claim who should I contact?
In all instances your first call when needing to make a claim should be your insurer.
Help with choosing the right cover options for your home.

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Need help?
Call us at 01702 225 440