The Home Insurer

The Home Insurer: British insurance broker for property and land liability insurance

The Home Insurer is a UK-based insurance broker that focuses exclusively on property and land liability insurance. The firm presents itself as a specialist in home and land policies, and notes that it does not sell car, life or pet insurance, which allows it to concentrate its resources on that specific segment.

The company operates as a trading name of Property Expert Ltd, a company registered in England and Wales with number 7275751, and is authorised and regulated by the Financial Conduct Authority (FCA) with firm reference number 615253. It is also a member of the British Insurance Brokers Association (BIBA).

Home and land insurance products

The broker's range covers a set of policies aimed at properties that often fall outside standard cover. These include:

• Thatched home insurance, underwritten through Aviva, Axa and Fairmead.
• Flood insurance, including cover for properties with a history of flooding, flood risk areas and landlords; the firm presents itself as a provider of Flood Re and Flood Flash products.
• Landlord insurance, both for a single property and for portfolios with multiple properties.
• Unoccupied home insurance, with full cover as standard and a pro-rata to the day rebate if you cancel.
• Renovation insurance, with the option to include works in the policy.
• Listed building insurance, for homes of any age and construction type.
• Subsidence insurance, provided that the previous subsidence, landslip or heave problem has been fixed.
• Block of flats insurance, accepting any mixture of tenancy, lease or occupancy.
• Land liability insurance, for any acreage and type of use, from development plots to large gardens, woodland or grazing land.

The broker states that land liability insurance is placed through Lloyd's of London and can be taken out from £71 per year, according to the data published on its site.

Underwriting approach and insurer panel

The firm works with a limited panel of insurers and uses fair analysis to recommend the policy that best meets the client's needs, usually the one with the lowest premium. When the recommendation is based on another criterion, the company tells the client. Its insurance partners include Aviva, Axa and Fairmead, and for land insurance it uses British underwriters and providers through Lloyd's of London.

Customer service and awards

The company says its model is based on talking directly to the client to understand their needs and provide a tailored quote. It highlights that you can speak again to the same professional who handled the policy, without long waits or multiple phone menus. The firm states that it has received awards for its customer service and has a score of 4.9 out of 5 stars on Feefo, with more than a thousand clients who have independently rated the service.

Activity and structure

The Home Insurer describes itself as a broker with a UK office and operates during office hours from 09:00 to 17:30. Its activity is limited to property and land liability insurance, without diversifying into other lines. Its parent company, Property Expert Ltd, is registered in England and Wales.

Location and contact

15 College Street, Irthlingborough NN9 5TU · Email: info@thehomeinsurer.co.uk