Home Insurance

We at Charter Insurance Brokers, pride ourselves in creating bespoke policies. With Charter, you will avoid the difficulties surrounding so called ’off the peg’ policies, which rarely provide adequate cover for a high quality home and its contents.

Paperwork - a thing of the past
Although we may still need you to fill in some forms, with Charter Insurance Brokers, the hassle is minimised. The majority of Specialist Insurance Companies operate without requesting that you fill in any forms…even claims forms! When this is not the case, we will assist as much or as little as you like.

Reducing the risk of Under-Insurance
The majority of Insurers demand that you bear the responsibility of assessing the value of your home and possessions. Unfortunately, underestimations can lead to penalties when you come to make a claim. Some specialist insurers offer complimentary home appraisals, to eliminate the risk of under-insurance completely. If this is not the case, Charter Insurance Brokers are happy to advise you as much as possible.

Avoiding Gaps in Cover
Charter Insurance Brokers has been established for over twenty years. In this time we have read a lot of small print! We know the problems; we have uncovered the gaps, exclusions and shortfalls hidden within many poor quality policies… but we have also discovered the solutions!

The cover limits of specialist insurers are far wider and are built on an understanding of your needs and lifestyle. Many will automatically cover your possessions for all risks worldwide, they may offer cover for a second home on the same or similar terms to your main home and the most comprehensive, offer protection for the emotional trauma caused by crimes such as aggravated burglary or identity fraud.

When the worst happens, you will be glad that you chose the best!
No one likes making a claim on their insurance. We have all heard the horror stories about summary deductions, for which you thought you were covered, the insistence that you take a replacement item rather than cash or that you accept a repairer chosen by the insurer. The worst part is that it is usually the claimant left out of pocket. When something happens in your home, the last thing you need is the added pressure of negotiating with Insurers.

Charter Insurance Brokers want to make this time as easy as possible for you. Whether a claim is large or small; a slight inconvenience or a truly, emotionally testing time, we will be there, providing a complete service.

The best insurance is not always the cheapest. Sometimes Specialist Insurance Services cost a little more, but the benefits will always outweigh the costs when an insurer delivers on their promise. With our comprehensive service and expertise you can be secure in the knowledge that your home and possessions are protected.