Home & Householder Insurance
Protect the building you own, the belongings that make it home, or both—with terms matched to how you occupy the property.
Cover overview
What this cover can help protect
- The building structure against fire, storm and other insured perils, depending on the policy
- Household contents and personal belongings against theft or damage
- Alternative accommodation costs after an insured event, on some policies
- Your liability to visitors injured on your property, on some policies
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- You've just bought or moved into a new home
- You're a landlord who wants the building covered separately
- You rent and want your belongings protected
- You've added valuable contents since your last review
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
Does home insurance cover both the building and the contents?
They're usually separate sections — you can take one or both, depending on whether you own or rent.
As a tenant, do I need this if my landlord already has insurance?
Yes — a landlord's policy generally doesn't cover your personal belongings.
What kind of events are typically covered?
Fire, burglary and some weather or water damage — exact terms vary by insurer, and we'll walk you through them.
How is the sum insured worked out?
It should reflect rebuilding or replacement cost, not market sale price — we'll guide you on this.
Let’s find out what suitable home cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.