Home Insurance

At Insure4Retirement we understand what you want from your provider – peace of mind, less hassle and where possible, cheaper premiums.

Combined Buildings and Contents Insurance

With Insure4Retirement standard buildings insurance will cover up to £1,000,000 for repairs and rebuilding and standard home contents insurance up to £100,000*.

Both our standard buildings and contents insurance covers you against damage caused by:

  • Water
  • Fire
  • Flood
  • Storm
  • Vandalism
  • Riot
  • Impact
  • Theft
  • Subsidence

In addition, your buildings insurance will cover you for accidental damage to fixed glass, cables and bathroom fixtures. Your home contents insurance will cover you for accidental damage and breakage to entertainment equipment such as audio and TV’s.

Both our buildings and contents insurance boast an extensive range of inclusions – for more information please read our policy wording. You are also covered against your legal liability to pay damages and costs to others – up to £2,000,000 – which results in accidental death, disease, illness or accidental physical injury to anyone and for Accidental damage to physical property.

Excesses start from £75 for basic cover, £250 for escape of water claims and up to £1,000 for subsidence claims. There are also options to increase your excess for a lower premium. See your quote for more details.

Home Insurance optional add-on products

We aim to match your needs. Our policies are also able to provide a wide variety of add-ons created with your needs in mind.

  • Home Emergency**
  • Personal legal protection
  • Garden secure cover

For more information on the range of add-ons available to you, please read our home insurance policy book. If you’re over the age of 50, and are looking to benefit from cheaper premiums, speak to Insure4Retirement and get a quote today.

*Should you require cover over £1,000,000 for buildings and or over £100,000 for contents please call us to discuss your requirements.

**If your Home Emergency cover commenced on or before the 23rd of February 2015, your Home Emergency cover will remain with Home3 Assistance. If your Home Emergency cover commenced on or after the 24th February 2015, your Home Emergency cover will be provided by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Assistance Group.

Policy documents

Please read the policy documents carefully, in particular exclusions, endorsements and limitations. For all policies with an inception date after February 24th 2015 please use 'I4R Policy Book v10'.

Why choose us

  • UK based call centres
  • Easy to switch your cover to us
  • We will pay up to £50 to cover the cost of moving your insurance to us
  • 365 days / 24 hour confidential eurolaw legal advice and domestic assistance helpline
  • No claims discounts available