HOME INSURANCE

Your home is one of your most valuable assets, so having the right insurance in place is essential. At Oakfield Insurance Brokers, we can help you protect your property and your belongings against a wide range of unexpected events, providing access to flexible home insurance solutions tailored to your individual needs.

We can arrange cover for both standard and non-standard homes, including customers with previous claims, non-standard construction properties, previous convictions or a poor credit history. Our experienced team will take the time to understand your requirements and help you find suitable cover from our panel of insurers.

Whether you need buildings insurance, contents insurance or a combined policy, Oakfield Insurance Brokers can help arrange comprehensive protection to suit your needs.

The following are examples that we can help you with:

CONSTRUCTION

• Non-standard construction properties
• Timber & Steel-framed properties
• Flat roof properties including Felt on timber, GRP (Fibreglass), EPDM (rubber), Concrete, Asbestos fibre cement corrugated sheets
• Listed Properties (Grade 2 & 2*) - IMPORTANT - many insurers want to see a recent rebuild cost assessment/report
• Properties that have been underpinned
• Properties with external cladding including wood, cement fibreboard and EPS cladding

OCCUPANCY / USE

• Working from home - running a business from your home and/or clerical work only
• Homes with Lodgers
• Buy to let properties & properties with tenants (please see our residential landlords page)
• Unoccupied properties due to moving before selling the property
• Unoccupied properties due to the death of the owner and in probate

CLAIMS HISTORY

• Homes with a large single claim (e.g. escape of water £20,000 or storm damage £35,000)
• Homes with more than one claim in the last 5 years
• Homes with previous subsidence claims

PERSONAL HISTORY

• Owners with adverse credit history
• Owners with IVA's or bankruptcy
• Owners with criminal convictions

EXTERNAL / LOCATION RISKS

• Flood prone or in a high flood risk area
• Homes that have flooded previously
• Homes that have had a flood claim made against them

BUILDING WORKS

• Homes undergoing renovation
• Homes having structural or non-structural building works

OWNERSHIP

• Probate or Estate properties
• Homes owned by trusts

OTHER TYPES OF HOMES

• Holiday homes and second homes
• High-value homes - Mid Networth & High Networth
• Homes declined by other insurers
• Houses in Multiple Occupation (HMOs)
• Multi-unit residential properties
• Properties with solar panels
• Homes with thatched or reed roofs
• Properties with unusual occupancy arrangements including lodgers

Please call Oakfield Insurance Brokers for a quote on 01752 717667 today