Buildings insurance
We can give a quote for houses built since 1850 in Great Britain and Northern Ireland. We also include your domestic outbuildings:
- sheds
- garages
- greenhouses.
Our insurance includes cover against loss or damage from:
- fire
- theft
- storm
- flooding
- subsidence
- escape of water.
What we’ll pay out for accepted claims:
- up to £2m legal costs for property owner’s liability
- up to £1m rebuilding costs as standard
- up to £100,000 alternative accommodation.
If your home is left empty for more than 60 days, we do not cover damage caused by:
- vandalism
- escape of water or freezing of the heating system
- trace and access of leaks
- theft
- accidental damage.
Legal expenses cover
Our buildings insurance includes legal expenses that covers you for up to £50,000 for legal costs such as personal injury or contract disputes.
Carpenters Limited manage all legal expense claims. We will only accept a claim if there is a 51% or more chance of making a recovery.
We'll not cover any legal costs unless we've agreed to these in advance.
Claims for civil disputes about nuisance or trespass have an excess to pay of £250.
Contents insurance
We cover the contents of homes in Great Britain and Northern Ireland, including rented accommodation.
Our insurance also includes loss of or damage to your contents in your outbuildings:
- sheds
- garages
- greenhouses.
Our insurance includes cover against loss or damage from:
- fire
- theft
- storm
- flooding
- subsidence
- escape of water.
What we’ll pay out for on accepted claims:
- up to £2m plus legal costs personal and occupiers’ liability as standard
- new for old replacement of items (except household linen and clothing)
- up to £75,000 cover for your contents, depending on the amount for which your contents are insured
- up to £2,000 theft from outbuildings
- up to 20% of the amount for which your contents are insured, for alternative accommodation.
If your home is left empty for more than 60 days, we do not cover damage caused by:
- vandalism
- escape of water
- theft
- food in the freezer
- garden contents including plants in the garden
- tenant's liability
- accidental damage.
Legal expenses cover
Our contents insurance includes legal expenses that covers you for up to £50,000 for legal costs such as personal injury or contract disputes.
Carpenters Limited manage all legal expense claims. We will only accept a claim if there is a 51% or more chance of making a recovery.
We will not cover any legal costs unless we've agreed to these in advance.
Claims for civil disputes about nuisance or trespass have an excess to pay of £250.